What kind of car are you driving?

Generally speaking, if you are looking for the cheapest possible insurance quotes, bear in mind that older cars are usually more expensive to insure than new ones. This is because most modern vehicles have vastly improved safety features, such as better handling, steering, lighting and braking. All car models are now graded into insurance classes and the lower the class the cheaper the insurance premiums usually are. It is not simply the case that larger cars automatically belong to higher groups, because the ratings depend upon not only accident statistics, but also the cost of repairing individual models. A small and relatively underpowered car, but with expensive spares, can cost far more to repair than a larger one with cheaper parts, particularly if it is an imported model, with the possible added cost of car hire whilst spare parts are on order from a stockist abroad.

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Which are the safest cars?

Smaller vehicles are not necessarily safer than large ones. A small lightweight car can actually be extremely unsafe on a motorway, particularly during heavy rain or high winds, and can offer little protection to the occupants in an accident. Conversely, a larger car can cause more damage in a collision, leading to higher third-party claims, whilst still keeping the driver and passengers fairly safe within a strong steel shell. These complicated factors should all be taken into consideration when a model is graded. So, when choosing a car, it is a good policy to look at it's insurance group before buying; but also think about what you will use the car for. For running around town a small, economical, easy-to-park vehicle may be ideal, as well as being cheap to insure. For long distance driving, however, a larger car will keep you safer, and should be a lot less tiring to drive.

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