| In the recent past car insurance rates | | | | particular car insurance group, and |
| have increased, especially for young | | | | these include the cost of repairing a |
| drivers which have resulted in problems | | | | car and costs of damage and parts, time |
| for new drivers whose premiums are | | | | required to repair the car, new car |
| somewhat on the high side. However, | | | | values, availability of body shells, |
| young female drivers may need to pay | | | | performance of the car including |
| less because they are a lower risk | | | | acceleration and top speed, and the |
| proposition. So, before purchasing auto | | | | security features fitted as standard |
| insurance it would be wise to view the | | | | equipment by the manufacturers of |
| car insurance groups that a particular | | | | different automobiles. |
| car falls into. There may be different | | | | These auto insurance groups are not |
| grouping structures and the insurance | | | | arrived at by individual companies, but |
| premium goes up as you move up in these | | | | by an association that represents car |
| groups. | | | | insurance companies in full. However, |
| Don't Be Mystified By The Different | | | | individual auto insurance companies may |
| Premiums Charged | | | | vary the groups based on their own |
| Many people that want auto insurance can | | | | experience. It is usual for family cars |
| often be mystified with the different | | | | to fall into the six to twelve car |
| policies and may have trouble | | | | insurance groups if they do not have |
| understanding why the company is | | | | high-powered engines. On the other hand, |
| charging them the premium they are | | | | sports cars as also high-risk cars fall |
| charging and how the type of car has an | | | | into the higher auto insurance group |
| effect on such premiums. | | | | ratings and that would mean having to |
| It is thus important for you, as a car | | | | pay extra for your car insurance |
| insurer to understand that you can get | | | | premium. |
| lower insurance premium costs by falling | | | | Among the lower auto insurance groups |
| in a lower car insurance group and this | | | | you would find cars such as Citroen, |
| can best be achieved by purchasing a car | | | | Toyota and Renault, and in the middle |
| that falls in a lower category or group. | | | | groups you can find cars such as Ford |
| These auto insurance groups classify | | | | Focus, Mercedes A+ class as well as VW |
| cars in a certain level of insurance and | | | | Polo. The higher group cars include BMW |
| each car is assigned a group starting | | | | and Audi A4 while the highest group cars |
| from one and ending at twenty. Such | | | | include Aston Martin and BMW M3 series. |
| grouping allows each model of car to be | | | | With these models in mind, you can get a |
| banded with cars having similar features | | | | rough idea as to which car insurance |
| and a particular model of car can be | | | | group your car falls into and when |
| spread in many groups. | | | | buying a new vehicle you can keep this |
| There are many factors that come into | | | | in mind. |
| play when classifying a car into a | | | | |