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Every car belongs to a car insurance group, which effectively bands cars from the cheapest to most expensive to insure. Insurers will use the Group Rating System, or their own groupings, in their calculation of premiums.
Farmers Insurance Group (informally Farmers) is an American insurer group of automobiles, homes and small businesses and also provides other insurance and financial services products.Farmers Insurance has more than 48,000 exclusive and independent agents and approximately 21,000 employees. It is a subsidiary of the Swiss company Zurich Insurance Group.
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New technologies, including Peer-to-peer (P2P) insurance, have the potential to significantly reshape the insurance landscape in the future. A P2P insurance model is typically a small group of friends.
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Smaller , lower priced cars with smaller engines are usually cheaper to insure than bigger expensive cars with larger engines. Luxury cars with powerful engines are seen as more difficult to control which would increase the risk of accidents and therefore the premium paid.
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In recent years, a growing trend in the car market has seen buyers looking further afield for their next car, often buying from overseas. There are a number of reasons for this trend, namely, imported cars are often cheaper than UK models, and in many cases, are built to a higher specification.
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