Cheap Cars to Insure
A Car with Low Insurance Group = Cheaper Car Insurance
The car insurance group classification of a car is one of the most important factors an insurer
applies when forming a quotation. Choose a car with a low insurance group and you will have lower premiums.
The insurance industry has agreed group classifications for all UK cars.
Insurers and car manufacturers need to have an agreed classification in order
for insurers to apply a consistent view of a particular model.
Car insurance groups start at one and go up to 20. Each model with the same group banding will have similar features
and engine size and can be compared fairly and accurately from an insurance point of view.
Small 'A' segment and 'B' segment cars are the lowest group ratings of 1
& 2. Group 3 - 6 cars are generally 'C' segment cars, or in normal speak
- small family cars.
Car Insurance Group Cars 1 - 4
The following cars are in the lower insurance groups and you should get
cheap online car insurance as a result:
- Fiat Panda, Punto
- Citroen C1,C2
- Ford KA, Fiesta
- Peugeot 107, 206, 207
- Vauxhall Meriva, Corsa
- Toyota Aygo, Yaris
- Renault Clio
- VW Fox, Polo
- Skoda Fabia, Felicia
Car Insurance Group Cars 4 - 7
The following cars are in the small family car bracket:
- Nissan Almera
- Citroen C3,C4
- Ford Focus
- Peugeot 307
- Vauxhall Astra
- Toyota Corolla
- Renault Meganne
- VW Golf
Car Insurance Group Cars 8 - 12
The following cars are in the small family car bracket:
- Nissan Primera
- Citroen C5
- Ford Mondeo
- Peugeot 407
- Vauxhall Vectra
- Toyota Avensis
- Renault Laguna
- VW Passat
The Highest group cars (groups 16-20), fall into the prestige car category
and include all the usual names:
Audi, BMW, Mercedes, Lexus, Volvo, Jaguar, Porche, Ferrari etc.
Each insurer can apply their own formulae to form a quotation and they do.
Car insurance tend to target a specific area of the market depending on their
risk assessments. Some online car insurance actively target niche areas such
as -
Car insurance for learner drivers, young drivers, women drivers, drivers over 50, sports car drivers etc.
How is the Car Insurance Group Rating Calculated?
Almost 75% of all policy pay-outs in car insurance claims goes on repairing
cars. How long each repair takes, along with the cost of the relevant car
parts, will play a big part in deciding the cost of insurance premiums.
It is sensible to assume then that more expensive cars are more costly to repair and the parts are more expensive than cheap
small capacity city cars. Here are the most important factors that go into assessing a cars Group Category:
1. New Car Values: Higher prices mean that, should a car be written off, the insurer would need to place a higher
value the newer the vehicle is.
2. Performance: Top speed and Acceleration. Performance cars are likely to be driven faster and as a result a higher risk.
3. Damage and Parts Costs: The possible extent of damage to each car model
and the cost of the parts involved in its repair. Prestige cars often have
lavish paint finishes and extra coats so this will contribute to a higher
Group rating. The lower these costs are the lower the group in general terms.
4. Repair Times: The longer it takes to repair a vehicle the bigger the overall cost to insurers.
5. Car Body Shells: The car body shell and the availability of a replacement
will be taken into account in group ratings. They are essential for near write-offs
as they may need to be replaced.
6. Car Security: If the vehicle has a high security rating, with a high category
Thatcham system, this can help to balance costs. All of the following will
help:
u
- tracker systems
- high security door locks (dead locks)
- alarm/immobiliser systems
- glass etching
- coded audio equipment
- locking nuts for alloy wheels
- visible VIN numbers
Follow these really simple guides and your car insurance premiums will be
sure to reduce.
Get your cheap car insurance online
A great number of insurers will offer up to an additional 10% for buying online.
Get at least three quotes
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