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