| If you are thinking of buying a new car and you are | | | | performance rating. They will take into account the |
| trying to figure out what your total cost of operating | | | | cost of replacing various parts of the car and how |
| the car will be, you need to consider not only your | | | | easy it is to get those parts. If you have a high end car |
| monthly car payment, and where you will park your | | | | that parts are not readily available for, you can be |
| new car but also how much your insurance premiums | | | | assured your model car will fall in the higher numbers. If |
| will be. You can get a ball park figure for the insurance | | | | you have a more available car, your number will be |
| premium level if you use the car insurance groups | | | | lower. After the model of car gets a number rating, it |
| rating system before you actually go out and purchase | | | | will get a letter rating for security purposes. These |
| a car. The cars are rated in groups from 1 - 20. The | | | | letters give an idea of how likely the car is to be stolen, |
| number is determined by the Insurance Group Rating | | | | etc... A rating of E stands for exceeds security |
| Panel. These people look at the risk you incur with the | | | | standards. A means that the standards are |
| type of car you will be driving. The lower the number | | | | acceptable. P is provisional. D means that the car does |
| your model of car is in, the lower your insurance | | | | not meet standards and U means unacceptable. The |
| premium will be. | | | | insurance companies base their rates on this number |
| The car insurance groups' rating is based on things like | | | | and letter system for setting insurance premium levels. |
| the cost to replace your car, and the vehicles | | | | Check it before you make a purchase. |