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Car Insurance Blog

Car Insurance Group 4 – All you need to know.

When it comes to insuring your car, the insurance group it belongs to can have a significant impact on the cost of your premiums. Cars are placed into groups, ranging from 1 to 50, with those in the lower groups being considered less risky and therefore, cheaper to insure. If your car falls into group 4, it is considered to be among the more affordable options in terms of insurance.

However, it’s important to note that the group your car falls into is not the only factor that determines the cost of your insurance. Other factors such as the driver’s age, location, driving history, and the car’s make and model also play a role in determining the price of insurance.

While cars in group 4 may not be the cheapest to insure, they are still considered to be relatively affordable. This means that if you drive a car that falls into this group, you can still expect to pay a reasonable price for your car insurance. It’s always recommended to shop around and compare quotes from different insurance providers to find the best deal for you.

Which cars are in car insurance group 4?

Car insurance groups are used by insurers to determine the cost of your premiums. Cars are placed into groups, ranging from 1 to 50, with those in the lower groups being considered less risky and therefore, cheaper to insure. Cars in group 4 are considered to be more affordable options in terms of insurance.

Examples of cars that are typically classified in car insurance group 4 include:

  • Ford Focus
  • Vauxhall Astra
  • Peugeot 308
  • Volkswagen Golf
  • Toyota Auris
  • Hyundai i30
  • Skoda Octavia
  • Renault Megane
  • Honda Civic
  • Mazda3

It’s worth noting that the insurance group of a car can vary depending on the specific model, trim level and year of manufacture, so it’s best to check with your insurance provider or use online tools to check the insurance group of a specific car. Also, the car models in different countries might be different. It’s always recommended to check with your local seller or car dealership.

Why are cars in group 4 the cheapest?

Cars are placed into insurance groups, ranging from 1 to 50, by the Group Rating Panel (GRP) which is an organization that assigns insurance groups to cars based on various factors. Cars in lower insurance groups are considered less risky to insure and therefore, they have lower premiums. Cars in group 4 are considered to be more affordable options in terms of insurance.

The factors that are considered when determining the insurance group of a car include the cost of repairs, the value of the car, and the car’s safety features. Cars in group 4 tend to be less expensive to repair and have a lower value than cars in higher insurance groups. They also tend to have a good safety rating, which makes them less risky to insure. Additionally, cars in group 4 tend to have smaller engines which is another factor that can contribute to lower insurance costs.

It’s worth noting that the insurance group of a car can vary depending on the specific model, trim level and year of manufacture, so it’s best to check with your insurance provider or use online tools to check the insurance group of a specific car.

Are group 4 cars a good option for young drivers?

When it comes to car insurance, young drivers typically face higher premiums due to their lack of driving experience and higher likelihood of accidents. However, one way for young drivers to potentially lower their insurance costs is by choosing a car in a lower insurance group, such as group 4.

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Cars in group 4 tend to be more affordable options in terms of insurance due to a combination of factors such as the cost of repairs, the value of the car and the car’s safety features. They also tend to have smaller engines which is another factor that can contribute to lower insurance costs.

However, it’s important to note that while a car’s insurance group can be a factor in determining your insurance premium, it’s not the only one. Factors such as the driver’s age, location, and driving history can also affect the cost of insurance. Additionally, young drivers should also consider other factors such as fuel efficiency and overall running costs when choosing a car.

In general, group 4 cars can be a good option for young drivers as they offer a balance of affordability and safety. It’s always a good idea to check with your insurance provider to get a quote for the specific car you’re interested in, as well as compare multiple quotes to ensure you’re getting the best deal.

Cars in group 4 include:

Here are a few examples of cars that are typically placed in insurance group 4:

  • Ford Fiesta
  • Vauxhall Corsa
  • Volkswagen Polo
  • Peugeot 208
  • Toyota Yaris
  • Honda Jazz
  • Hyundai i20
  • Kia Rio
  • Nissan Micra
  • Skoda Fabia

Please note that the insurance group of a car can vary depending on the specific model, trim level, and other factors, so it’s always best to check with your insurance provider or car manufacturer for the most accurate information.

What insurance group would my electric/hybrid car be in?

When it comes to insuring an electric or hybrid car, the insurance group it falls into can have a significant impact on the cost of your premium. Insurance groups are a way of categorising vehicles based on factors such as their value, performance, and safety features.

Electric cars, also known as EVs, are typically placed in a lower insurance group compared to their gasoline or diesel counterparts. This is because they are generally considered to be less powerful and less of a theft risk. Additionally, the battery and other electric components of an EV may be covered under the manufacturer’s warranty, which can also help to lower the cost of insurance.

Hybrid cars, which are powered by both an electric motor and a traditional gasoline engine, can fall into a wider range of insurance groups depending on the model. Some hybrids, such as the Toyota Prius, are considered to be low-performance vehicles and can be placed in a lower insurance group, while others, such as the BMW i8, may be considered to be high-performance vehicles and can be placed in a higher group.

It’s worth noting that some insurance companies may offer discounts for electric and hybrid cars, as they are considered to be more environmentally friendly and have lower emissions. Additionally, the location of charging stations and the availability of repair shops can also affect the cost of insuring an electric or hybrid car.

In conclusion, the insurance group of an electric or hybrid car can vary depending on the specific model and other factors. Electric cars are generally considered to be less powerful and less of a theft risk and therefore, tend to fall into lower insurance groups. While hybrid cars can fall into a wider range of insurance groups, depending on the model, some hybrids may be considered to be low-performance vehicles and can be placed in a lower insurance group, while others may be considered to be high-performance vehicles and placed in a higher group.

What insurance group would my classic car be in?

When it comes to insuring a classic car, the insurance group it falls into can have a significant impact on the cost of your premium. Classic cars are typically placed in a higher insurance group compared to modern vehicles. This is because they are considered to be more valuable, rare, and harder to find replacement parts. Additionally, classic cars may require more specialized and experienced mechanics to repair and maintain them.

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It’s worth noting that some insurance companies may offer special policies for classic cars, which can provide cover for things like agreed value, mileage restrictions, and use for shows and events. Additionally, many classic car owners choose to insure their vehicles under a separate classic car policy which can provide specialised cover and protection.

In conclusion, classic cars are typically placed in a higher insurance group compared to modern vehicles, due to their value, rarity, and specialized maintenance requirements. Many insurance companies offer specialized policies for classic cars, which can provide cover for things like agreed value, mileage restrictions, and use for shows and events.

What insurance group would my modified car be in?

When it comes to insuring a modified car, the insurance group it falls into can have a significant impact on the cost of your premium. Modified cars are typically placed in higher insurance groups as they are considered to be riskier and more expensive to repair. The modifications such as engine tuning, suspension lowering, and body kits, can increase the car’s performance and value, but also make them more likely to be involved in accidents and more expensive to fix.

It’s worth noting that some insurance companies may not cover certain types of modifications, or may require additional documentation or inspections to ensure that the modifications are safe and meet legal requirements. In some cases, modified cars may also require specialized insurance policies that provide cover for specific modifications.

In conclusion, modified cars are typically placed in higher insurance groups as they are considered to be riskier and more expensive to repair. Some insurance companies may not cover certain types of modifications or may require additional documentation or inspections. In some cases, modified cars may also require specialized insurance policies that provide cover for specific modifications.

Compare car insurance

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