We’ve covered the most common factors that will affect the price of your premium, but they are by no means the only factors. The type of car you drive will have a big bearing on the cost.

Currently, vehicles fall into 20 insurance groups, with group 1 being the lowest, cheapest group. This includes small, low-power cars such as Fiat Cinquecentos, Skoda Fabias and similar. Group 20 includes high-risk, high-performance cars such as Lancers, Lotuses and Mercedes. If you’re planning on buying a particular car, it’s worth checking which group it falls into beforehand, so you know what to expect. There’s no point in saving up for ages to buy the Impreza you’ve had your eye on, only to find you can’t afford the group 19 insurance.

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