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Car Insurance


Group 1 Insurance Cars

Group 1 insurance cars, very simply, are those that are the cheapest to insure. They pose the least risk of theft or vandalism. They have the highest safe-driving ratings, for they are lightweight with slow acceleration and have smaller, less powerful engines. They can be manoeuvred around hazards more easily or stop faster. Risk scale valuation runs from one to 50: Group 1 vehicles pose almost no risk of accident or theft. They are also usually the cheapest to operate and maintain. Fuel economy is terrific, and spare parts are abundant and cheap. For those reasons they pose less financial risk to an insurance company. Reduced risk equates to cheap insurance premiums. If fuel economy, reduced carbon footprints and ultra-low insurance costs are your priority, a group 1 insurance car is the one you want to buy and drive.

Car insurance groups are a handy tool when considering buying a new car, for you must consider not only the amount paid for the car but also for the insurance, fuel and maintenance. Use the group scale devised by the Insurance Group Rating Panel used by insurance companies to find those group 1 insurance cars in the lowest risk band. Once you have the make and model of the low-risk car that interests you, use that vehicle information to gather online insurance quotes. The quotes are free and without obligation, so take advantage of the abundance of auto policy information available to you.

Safety and Security Ratings

The Insurance Group Rating Panel comprises the Motor Insurance Repair Research Centre, otherwise known as Thatcham, the Association of British Insurers or ABI and Lloyd’s Market Association or LMA. The panel includes personnel from the Motor Insurance Repair Research Centre, nicknamed Thatcham, which compiles the data used in the ratings. Thatcham forwards information to the rest of the panel who determines what cars belong to group 1, the lowest risk band on the 50-increment scale.

Group 1 insurance auto mobiles meet or exceed all safety, fuel efficiency and performance for this risk band. All cars in this group have engines that are of low power, less than one litre. Each car is very affordably priced and they are small – a “low profile image.” Group 1 cars don’t accelerate quickly when compared to other vehicles, and their bodies are cheaply replaced and commonly available.

The panel examines more than those features when assigning risk class, however. They also rate the security of each vehicle, the ease of breaking into the vehicle and/or stealing it. Unlike the accident band where low is good and rated numerically, security is better when rate high and is always in single alpha characters. Group 1 vehicles that are the safest, most affordable cars earn E for Exceptional or A for Acceptable. The E- or A-rated cars are efficient and resistant to theft. Therefore, group 1 insurance cars are the cheapest to own, repair and insure.

The Ratings Panel offers these scale data sheets to insurance companies without cost or obligation, and whilst insurance companies do take the advisories under consideration, they are not bound by the ratings in setting insurance rates, which is why premiums vary so much based on car type, make and model alone. Most companies use this information to set coverage cost standards and to tailor their marketing toward certain motorists or cars. The risk bands are also available to car owners or would-be car owners.

Safest Cars for Young Drivers

Because of the age and inexperience of new drivers, finding an affordable insurance policy may present the best odds if the young motorist drives a group 1 insurance car. Group 1 cars are slower to accelerate, reducing the quick start, poorly controlled “jack rabbit” start. They are highly manoeuvrable and stop quicker, boosting the young driver’s chance of avoiding a hazard, and if they do make impact, they cause less damage. Young motorists can help drive down those high premiums by driving a group 1 insurance vehicle.

Auto mobiles in the lower risk bands are not only cheaper to insure, but they are also cheaper to operate and maintain, making these vehicles more affordable from every standpoint. If your teen driver absolutely must own his own vehicle instead of using a model already in the family, have him consider and purchase one of the models in the group 1 ratings category. The easy manoeuvring, the slower acceleration and quicker stops will enable safer driving as he learns and gains experience. The repair costs are of lesser price as well, and the fuel economy group 1 insurance cars have make every budget sing. Because they aren’t as flashy or as fast as performance cars, for example, they are reasonably priced, which starts ownership in a low-expense range as well. Cheap to buy, cheap to operate, cheap to repair and cheap to insure make group 1 cars perfect for the new driver in the family.

A powerful engine and skid-producing starts may appeal to young drivers’ imaginations, but those vehicles also escalate the cost of insurance tremendously. To keep both concern and costs to a minimum, group 1 insurance cars are the better choice.

Safe, secure and inexpensive cars appeal to the cost-conscious motorist, and that includes the cost of insurance. Be sure to compare online quotes from a multitude of carriers to ensure the best benefits of cover for your group 1 hatchback, for example, for the lowest price available. Source quotes from companies that specialise in coverage for young drivers, and you will probably be offered the lowest rates possible for that inexpensive car and its newly qualified owner.

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