bmw
BMW drivers are the angriest on the roads, according to the results of a poll run by a UK price-comparison website.
Drivers of the German car beat even the white van drivers to the top-spot of the ten angriest drivers by car-brand.
The 10 angriest drivers list:
1. BMW
2.White van
3.Audi
4.Ford
5.Land Rover
6.Lorry
7.Vauxhall
8.Range Rover
9.Volkswagen
10.Mercedes-Benz
The results of the Go Compare poll shows that motorists have clear opinions on what our cars say about our personalities and the way we drive. Insurers too, will make an assessment based partly on the car we drive.
How and why insurers look at your car choice
The type of car you drive obviously has an effect on how much you pay in insurance, as the broker has to make an assessment of risk on the policy – to estimate how likely you are to make a claim.
Clearly the size of the engine and performance of the vehicle has a bearing on the insurer’s assessment. The faster the car is capable of travelling, the more risk it poses in the eyes of the insurer, generally speaking.
The same sort of correlation can be said for the cost of the car, as the more the car costs then the more there is at stake for insurer. The insurer knows that, in the event of a claim, the cost to itself will be higher on a high-value vehicle.
Parts will inevitably be more expensive to replace in the event of an accident, and should the car be stolen, the expense to the insurer would be greater. For these reasons, they ask the driver to pay more to cover these costs.
Every car on the market is assigned to an insurance group, ranked from 1 to 50, as of January 2010, based on how much of a risk the vehicle is perceived to carry by insurance brokers. The higher insurance group your car belongs to, the more you can expect to pay for a policy.
There are online tools available to check which group your car belongs to
Off-setting the cost
If your car attracts higher premiums because of its engine size or insurance group, there are smaller things you can do to make savings where possible.
Price-comparison websites like Go Compare or Moneysupermarket are a good place to start, as you can play with the variables to see if it makes the quote any cheaper. Adding another driver to the policy, for example, or changing the amount of excess you would be willing to pay could lower your quotes.
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