Looking for Cheap Cars to Insure

2007-03-08 10:33:40

( Business )



This article enumerates cheap cars to insure. Some cars' insurances will not cost you as much. A buyer's secret to getting the best deal is knowing the art of discounting.

Each car model are grouped with cars of similar characters. Family cars are classified altogether. High-powered engine cars like sports cars are in the highest car classification.

Since they are high-performance cars with high-powered engines, sports cars are in a high group rating. The lower the group rating, the cheaper the cost of the car insurance premium.

If you are a newbie in the field and need to know the 411 on the cheap cars to insure, this is how the system works.

Three quarters of the money paid to motor insurance claims proceed to car repairs. The cost of the spare parts and the times cars are brought in to be repaired are crucial factors on where insurers based how much the car insurance premium cost.

To elaborate further, here are the factors used to calculate which group the car belongs to:

1. Damage and the Cost of the Parts. The more damage to each car model and the cost of the parts used for its repair determine if it is a cheap car to insure or not. The lower the costs, then the lower the group rating.

2. Repair Times. The longer it takes to repair the car means the higher the costs of the parts, therefore the higher the group rating. The paint finishes are also an important factor and taken into consideration.

3. Value of the New Car. The prices of car the minute they are sold to the public determine the high specification models in the car rating range.

4. Body Shells or Car Frame. The availability of the frame of the car is also taken into consideration with regards to group rating.

5. Car Performance. Top speed and acceleration are crucial factors.

If you are looking for cheap cars to insure, then you must set your eyes on the lower group rating - which are the family cars.


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