"What Does Car Insurance Group 1 Mean?"

Car insurance Group 1 is that group of makes and models of cars in the UK which are rated the lowest risk, by insurance companies, to insure. This is due to their low cc rating, safety features and the statistical probability of a driver being involved in an accident, in one of them.

Other factors are if the parts are readily available and cheaper to purchase, this goes in the vehicle's favour. Getting a car repaired at a lower cost means a smaller payout and if parts are readily available this limits the time needed for a courtesy car to be supplied, which is also a saving to the insurance company.

The cheaper the cost the insurer will pay to replace the vehicle is also important, if it's a total write-off after an accident.

These cars are ideal for young new drivers, who attract high insurance premiums; said yearly premiums are sometimes more expensive than the car they are driving! Insurance costs vary from company to company. Nowadays people go online and use a price comparison site whereas in the old days they'd use a broker, whose offers would include his fee.

New drivers who have just passed their driving test are especially prone to high premiums, due to a lack of no claims bonuses and the higher risk they pose on the road.

Haggling still works. If you're fairly sure you can get a better deal, walk away from the negotiation and see if the broker comes back to you.

Another way to get your premiums down is to keep your car in a locked garage or at least keep it off the street. Security devices attached to your car can also help lower your premiums. These would include high-security door and ignition locks, alarms, immobilisers and glass etching.

One last thing you might not think of is spoilers, fins, alloy wheels and other modifications. These make your car more attractive to thieves or just people who want to mess with it. If you can live without these, your premiums will go down.