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