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Car Insurance


Car Insurance Groups 1 Through 20

Car insurance groups 1 through 20 compose a risk rating scheme devised by an independent organisation and is used by both insurance carriers and by consumers. The list assigns risk values to cars and their safety and security. The lower the risk scale value, the lower the risk involved, and therefore, the greater the insurance rates will be influenced downward. There are other factors involved in computing insurance premiums, so this risk scale is not the final word, but it does help identify safer or riskier vehicles.

Decrease Your Rating

Whether the risk assessment is higher or lower in the car insurance groups 1 through 20, you can always reduce the inherent risk even more. More often than not, every legitimate action you take to increase your motorcar’s security against vandalism and theft will nudge your premiums downward. Some actions have a greater impact than others, but they all count.

Use Thatcham-approved approved security devices authorised by your insurance carrier, such as a car alarm, immobilisers, high-performance locks and even vehicle trackers to reduce the risk of your vehicle being stolen. Car theft is a major problem in the UK, and any risk reduction is appreciated by your insurance carrier. Unless you have only third-party cover, your insurance carrier will probably grant some degree of discount for each device you install and use. You can also influence the vehicle’s risk factor positively by parking the vehicle in a locked garage when not being driven. Parking off the street is safer than on the street, and well-lit areas are better and safer than dark areas. Always locking your car doors when driving can help protect against car jacking. Keeping them locked when away from the vehicle with windows all the way up and the convertible car’s roof engaged will help as well.

The car itself plays a major role in which car insurance risk group is assigned. Not only are its security features rated, but so is it’s safety rating. Faster, high-performance vehicles with larger engines and a heavier gross weight are considerably less safe to drive than a low-powered, lighter and fuel-efficient model. Heavier cars with faster acceleration cause considerably more damage upon impact than smaller vehicles, and since car insurance is all about risk, the safer a car is to drive, the lower the premiums will be.

The Claims Avenue

The most reliable way to keep assignments in car insurance groups 1 through 20, as well as your premiums, as low as possible is to create a good, safe driving history. If you must drive a higher-risk vehicle, driving safety is very important. Resist the urge to take that risk that your car might be able to successfully pass, but you could still cause an accident even with no contact: Other drivers may not expect that unsafe act and react negatively to it or not react in time at all. However, should you complete a whole policy term without filing an insurance claim, you build a solid driving history with that carrier, and your insurance company could show its appreciation by gifting you with discounted premiums on a renewal policy. That no claims bonus can accumulate year after year. It’s not unusual with consistently safe driving that a no claims bonus reach discount levels of around 70 per cent!

As you shop for a new car, understand how your preferred model will influence your car insurance premium. If your driving history is less than stellar, know as well that that will cause your rates on a policy to be higher than they might be. If you are prone to auto accidents, whether you cause them or not, a higher level of cover might be recommended. Comprehensive cover might be the most expensive of the three primary categories, but it does offer the widest array of benefits, including one that neither third-party nor third-party fire and theft does: Comprehensive auto insurance remits benefits for repairs or replacement or your own vehicle in auto accident, regardless of the at-fault party. You have ample opportunities to qualify for discounts and bonuses to help lower your rates, but considering all that comprehensive car insurance does for all insurance groups 1 through 20, inclusive, it has the best value for the pounds you spend.

Keep it Down

High-risk drivers may benefit on the insurance front and regarding citations to take a driving education course to lower premiums and reduce risk of traffic citations. Regardless of your age, a completion certificate from the Pass Plus course, for example, will almost always grant lower insurance premiums. The extended training and experience the course offers can contribute time and again toward earning and keeping those no claims discounts. Bear in mind the car insurance groups 1 through 20 as you consider both insurance rates and a new car purchase. Buy a car near or at the lowest risk-end of the scale, and your insurance premiums can be minimal whilst still reflecting excellent coverage.

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