posted 5 years ago

Hyundai i20 Classic 1.2 Low Cost Insurance

Car Insurance Groups Explained

The Hyundai i20 Classic 1.2 and the i20 Style 1.2 have the same engine, transmission, performance and fuel economy but the former is cheaper to insure. Why? The key is to recognise that every trim, e.g. Classic 1.2 - rather than every model, e.g. Hyundai i20 - has an Insurance Group Rating from one to fifty. The lower the rating the lower the insurance premiums. Ratings are assigned by a Panel of Insurers based on information provided by research centre Thatcham. Various factors are considered. The first is the cost of parts to repair simulated low speed front/rear impacts. These could include bumpers, lights, radiators, trim, etc. Repair times are also considered as mechanics tend to charge by the hour. As such, city cars that emerge from these light collisions are cheaper to fix than luxury saloons. Why? Because the latter are more likely to have extras such as parking sensors, cameras, etc. Thatcham also evaluates the replacement cost of twenty-three common parts. City car lights, for example, might be cheap but the equivalents for luxury saloons can be expensive if they incorporate (say) infraed beams as part of night vision systems. Factors such as acceleration, maximum speed, value, and security features also influence ratings. So, as the Hyundai i10 Classic 1.2 has less equipment than its sibling – it is has been classified as Group four rather than Group five.

Cars That Are Cheap To Insure

The Hyundai i20 Classic 1.2 is not the only car that is cheap to insure. As such, the Vauxhall Corsa Expression 1.0i 12v ecoFLEX sits in Insurance Group two thanks to its modest performance and basic specification. Furthermore the Volkswagen Take up! 1.0, the Ford Ka Studio 1.2 and the Citroen C1 VT 1.0 sit in Groups one, two and three respectively. Inevitably though, not every supermini has a low Insurance Group Rating. The Corsa SRi 1.7CDTi 16v ecoFLEX, for example, is faster and better equipped than its basic sibling and this increases its Insurance Group Rating to sixteen. This is higher than the Ford Mondeo Hatchback 1.6 Ti-VCT Edge, the Nissan Qashqai+2 1.6 Visia, and the Renault Grand Scenic Dynamique TomTom 1.6 VVT 110. There are also prestigious cars that have fairly low ratings. These include the Mercedes-Benz B 180 CDI SE 5dr (fifteen) and the Audi A4 Avant 1.8 TFSI SE 120PS (nineteen). So, if you want to save money carefully consider which trim and engine you purchase not just the class or model of car.