vehicle insurance groups. Car models are then given a number between one and 50. vehicle insurance groups

 
 Car models are then given a number between one and 50vehicle insurance groups  Conversely, lower risk vehicles will be placed into lower groups

The higher the car insurance group, the more it adds to the price of your car insurance. MoRTH data reveals that just in 2022, 461,312. State Farm: Best for customer satisfaction Auto Club Group: Best for membership perks How we found the best auto insurance NerdWallet’s editorial team. Your car will fall into one of 50 insurance categories. The 50 insurance groups for cars are set by a group rating panel comprising members of the Association of British Insurers and the Lloyds Market Association. 11. We’re a Fortune 100 company that offers a full range of insurance and financial services across the country. 4 5 Anthem United States: 105. As an example, a 30-year-old driver in an average postcode could pay around £899 for cover on a Land Rover Discovery S 2. 1-866-776-8343. Generally, cars in lower insurance groups will have lower premiums, while cars in higher. You can also renew the motor insurance plan online from the comfort of your home. Made by people just like you. The Volkswagen Tiguan can be found in insurance groups ranging from 11 to 27. Dine out – 25% off total bill: Days available vary by outlet. Third party insurance is the legal minimum. Starting November 20, every U. Average full coverage car insurance premiums were 14 percent more in 2023 from 2022, jumping from $1,771 to $2,014 per year. Car insurance comparison tools are usually the quickest ways to get prices from multiple companies. Group insurance is coverage issued to a group of members as part of an employee benefits package, rather than insurance you purchase on your own. Cars in the highest groups, typically high performance models, are likely to cost insurers the most in insurance claims. Vehicles in category 1 are the smallest, cheapest models, while those in category 50 are the largest, most luxurious - and most expensive to repair or replace. Car insurance group price table. Autoplan broker. Actual industry data including claims frequency, claims cost, and the likelihood that a vehicle will be stolen are used by insurers to group vehicles into higher and lower CLEAR rankings. A policy from State Farm costs $268 per month, versus Geico's average rate of $284 per month. 8%), Progressive Corporation (9. 12 hours ago · With more and more people buying and owning vehicles, there are increasing incidents of road accidents. With over 200 years of experience, we’re an insurance company you can count on. Car insurance groups explained. Vehicles in the UK are categorised into insurance groups, ranging from group 1 (the cheapest) to group 50 (the most expensive), which partly determine the cost of your premium. Compared to full coverage, getting liability-only coverage at the state minimum level will make your auto insurance much cheaper. With insurance groups ranging from 1-50, vehicles in group 44 are one of the most expensive to insure. Cars in group 16 offer good value for money and are on the lower end of the spectrum regarding car insurance. Check out these sections if you need more help: Car finance help. Whilst electric cars have been around for a. Car insurance is a protection you must purchase if you own a car or other vehicle. These models come with high base prices. Of the cars we reviewed, the Subaru Outback is the cheapest vehicle to insure, with an average annual premium of $1,603 per year, 25 percent lower than the national average of $2,014 per year. Insurers look at lots of different factors when they decide how much car insurance will cost. For other drivers, Auto-Owners and Westfield had the cheapest car. Our quality coverages and great services, including 24/7 claims service and roadside assistance, will make you feel more secure on the road and everywhere in between. In 2023, our data shows Nationwide is the cheapest car insurance company in Wichita with rates at $637 for a six-month policy. Audi A3. By choosing our cover you have peace of mind knowing that your car will be protected by one of the UK's leading insurers. Here is a list of the more popular cars in insurance group 30. Buying car insurance can quickly become a daunting prospect; with so much terminology and a plethora of companies to choose from, deciding which policy best suits a vehicle can be a confusing process. Amica Mutual - Best Car Insurance Package. Start a car insurance quote and see how much you could save! We all need auto insurance, and the best place to start is with a free car insurance quote. Retrieve my quote. The Mondeo’s safety features include Active City Stop and autonomous emergency braking. This starts by building a policy, and for auto insurance that usually means starting with liability coverage. Car insurance groups explained. Driver licensing office. Cars in the higher-up groups are usually expensive cars with bigger engines. Fiat Qubo. Charges vary between providers, and some will let you make small charges online for free. Group 41 - 45. Discounts may not apply to all coverages on an auto or home policy. The system is run by Thatcham Research, the insurance industry's automotive research centre. SpaceTourer MPV Feel PureTech. Monday to Friday 8:00am - 8:00pm. Erie Family Life Insurance Company has earned A. life sciences and zero-emission vehicles;The average annual car insurance rate among seniors was $2,175, according to our research. S. of the Lee R. 1 are the cheapest cars to insure while those in insurance group 50 are the most expensive. Dacia Sandero. Quick Links. Car insurance groups explained. UPDATE MY ESTIMATES. com We're the #1 combined personal and commercial auto insurance company ‡. Find out more. Call us at 855-860-9763 for a free quote. Those at the. The Group Rating Panel – a board of representatives from the insurance industry – meet regularly to decide which car insurance groups different vehicles should be in. Jason Metz is a writer who has worked in the insurance industry since 2007. The cheapest states for car insurance. Preferred rates and advantages for members and employees of our partner organizations. 5/5. 1%), GEICO (12. Find out more. Car insurance companies weigh several individual rating factors when considering which rate to charge you, including your age, driving record, address, the type of car you drive and more. Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks,. Based on Compare the Market data in September 2023. In 2023, our data shows Capital Insurance Group is the cheapest car insurance company in Las Vegas with rates at $593 for a six-month policy. Take a look at our insurance groups explained guide for a more in-depth explanation. Insurance companies may refer to car. The system is run by the motor insurers’ automotive research centre – Thatcham Research. Such rating refers only to the overall financial status and is not a recommendation of the company. Group 50 is the highest and has the most expensive cars to insure. This list of car insurance companies covers the top 25 providers by size with annual cost averages, as well as a deeper analysis of the top 10 insurance companies. Get a quote Or, call 1-855-347-3749. Nationwide provides a variety of ways to save on car insurance through bundling, usage-based insurance, a safe driving record and other discounts. EverQuote can match you to insurers that best fit you. The Zebra analyzed rates from top car insurance companies to see who has the cheapest rates in 2023. Second, many insurance companies offer. Claims. 150-805 Cloverdale Ave, Victoria, BC V8X 2S9 Get directions. It’s big enough to fit the family, including a generous boot space, and the engine choice offers impressive fuel economy too. Best overall: Geico. 0800 001 4002. We have helped over 1 million small businesses get the coverage they need. Car models are then given a number between one and 50. Below are some of the more popular cars in insurance group 38. And auto insurance quotes are free -- no matter who you get them from. Pay a Bill / Make a Payment. Insurance group. 800 772 (RSA) Retrieve my quote. As a group, drivers 25 and younger can pay hundreds or even thousands more per year than older drivers. In the same way that different vehicles are put in different "groups" for insurance purposes, postcodes are also sorted into different bands. Car insurance groups are a way of categorizing cars into different groups based on their level of risk. In overall terms, insurance group 11 is quite low on the scale, as there are groups ranging from one to 50. However, the insurance group rating of a car is only one factor taken into account when insurance companies calculate an electric car insurance quote. Aviva. Choose from a range of policy options. The insurance group that your particular vehicle fits into is mostly determined by its value, performance, safety, security features and the cost of replacing. Get business, home and car insurance from The Hartford. Cheapest insurance companies by age group. Maybe you're a car collector and also have a classic muscle car or vintage sports car for weekend cruising. These are likely to fall on the more expensive side, when it comes to your car insurance premiums. Or, if you prefer, call us at (800) 861-8380 and let one of our insurance professionals explain the car insurance discounts and other savings you'll enjoy with GEICO. The petrol car comes in various engine sizes ranging from 1-litre to 2-litre engines. When it comes to insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive). Audi A4 Allroad. This means different trims of a certain model may get different ratings. As mentioned, there are likely to cost a bit more than average to insure. 24/7. Standard. There are 50 car insurance groups, with those in the lower numbers being the cheapest to insure and those in the highest the most expensive. The number of insurance groups has changed in recent years. Get business, home and car insurance from The Hartford. USAA offers good rates to military members and veterans. EverQuote can match you to insurers that best fit you. Quick Links. liability claims if you’re responsible for an accident causing damage. AAA members also receive exclusive discounts that can add up to more than their membership dues. The average cost of a full-coverage policy in Ohio is $84 per month (or $1,008 per year), which is $630 cheaper than the national average. That said, there are plenty. Cars in lower groups are typically cheaper to insure than cars in higher groups. Your car will fall into one of 50 insurance categories. Join us today and. Insurance group ratings are advisory – insurers don't have to follow them. The group that a particular vehicle falls into depends on a variety of factors,. Get a quote today or call 1-877-669-6877. Vauxhall Corsa models fall anywhere from group 3 to group 30, meaning the cost of insurance for your Corsa can vary hugely. Premiums have come down from an average of over €450 in 2005. Find a broker. This unbiased guide — written by The Zebra's insurance experts — outlines the factors that. Longer repairs a Peugeot 206 will your needs and budget car insurance group different an insurance group, but is a credit broker, of motor vehicle repairs is authorized and regulated as how you. But your rates will differ based on the car you buy, among other. Car insurance groups in a nutshell. Group one cars are the cheapest to insure, whereas cars in Group 50 are the most expensive. 35. Best car for insurance groups 11-15: Kia Ceed. com. Car insurance premiums in Spain averaged at just over €350 per year in 2016, just above the EU average. Why Direct. Cost statistics. Our licensed…. This is the average for drivers who are 60, 70 and 80 years old. Including car, motorcycle, homeowners, pet, farm, life and commercial insurance. GEICO - Best Mobile App. And the advanced features & their type add to the high insurance rates. Cars in insurance groups 41-50 pay the highest amount of premium for their insurance cover. For. Cars are assigned into insurance groups from one to 50, with group one being the cheapest to insure and 50 being the most expensive to insure (typically because they’re high performance models). Insurance companies analyze historical data on claims and accidents to assess the risk associated with each vehicle model. Chances are you can’t name all the car insurance companies out there, but you’ve likely heard of some of the larger insurers such as Allstate, Geico, Progressive. Browse for the best car insurance policies in Wichita, KS. Together. The national average cost for car insurance is $1,601 annually for full coverage. There are a number of popular cars in insurance group 35 that are likely to be more expensive than average to insure. Cheapest sports cars to insure. The groups comprise vehicles that pose similar risks to insurance providers in terms of repair or replacement costs if a valid claim is made. 0 Sd4 auto 5d that is in insurance group 33 or around £1,062 for a Land Rover Discovery SE. Preferred. Car insurance is also more expensive for male drivers. Different insurers have their own ways of grouping postcodes - there's no one system that everyone uses. Group 1 is the lowest risk and therefore features the cheapest cars to insure; Group 50 is the highest risk and thus most expensive. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. Whether you need property or vehicle insurance, workers’ comp insurance or flood protection, you can feel confident that. Just enter the registration no. The average cost of car insurance in Naples is $2,324 per year. Nationwide: Best for collision and comprehensive coverage. This is one of the big reasons that car insurance grouping is so important. For full coverage, State Farm is slightly cheaper than Geico. The insurance group of a particular car represents how much a risk that kind of car might be. Car insurance. Premiums will then reflect. The Best Cheap Car Insurance Companies. CSAA Insurance Group. esure offer 5 Star rated1 comprehensive cover for your electric or hybrid vehicle. Find the option to request a quote online. Model. From customized auto insurance to superior claims service, our people and technology will support you every step of the way. Insurance group 9 cars are on the cheaper end of the scale, but they’re not as cheap as groups 1-8. The ABI is calling on the government to cut the rate of insurance premium tax (IPT), currently 12%, to help motorists struggling with rising costs. What is insurance group 26? There are 50 car insurance groups that were created by Thatcham Research to help car insurance companies deliver an accurate premium to customers. While more expensive to insure than smaller city cars, group 20 vehicles remain relatively affordable. Insurance group numbers run from 1 to 50, with cars in group 1 being the cheapest to insure. 20, 2023 | USAA holds the top spot for best car insurance company, with American Family close. Geico’s rates for 17-year-old male drivers are among the lowest in our analysis, while State Farm offers the cheapest car insurance rates on average for 17-year-old female drivers. MetLife offers group life insurance, dental insurance, vision insurance, auto insurance, and more to employees and retirees. With insurance rates so high, it may be more critical than ever to shop. According to a report from the Insurance Bureau of Canada (IBC) from 2019, British Columbia drivers pay $1,830 on average for their car insurance coverage per year. [6] 51% of our customers were quoted less than £847. $500. Details. Battery boosting. 48 a year for comprehensive car insurance, or £70. Every car in the UK falls into one of 50 car insurance groups. The value of the car. But your rates will differ based on the car you buy, among other. Auto-Owners: Best Cost for Drivers Who Have Caused an. Many employers also bundle additional coverage options, such as dental insurance, along with their main plan. Here are NerdWallet’s picks for the best car insurance companies in 2023: NJM: Best overall. Company. $500. 5 VTi-TECH Excite 5dr. While average car insurance rates fluctuate by state, 35-year-olds in several states — including Idaho, Maine, Massachusetts and Vermont — can pay less than $1,400 a year, on average, for full. Conversely, a group 8 car with a poor security score will be moved up to group 9, and rated as 9D. The groups are numbered from 1 to 50, with 1 being the lowest risk and 50 being the highest risk. Group health benefits. Then check out Parkers’ help and advice section, detangling the complications of renewing your car’s policy. Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. They sell insurance in 23 states and the District of Columbia. Cars belong to one of 50 insurance groups, also known as insurance bands. Here’s an added bonus, if you’re shopping for home and auto insurance, use our online rating tool to get a quote on home or auto insurance (or both) from the comfort of home, directly from your computer, or mobile device. What do UK car insurance groups mean? Car insurance groups are a fairly simple way of categorising a car’s risk factor. BMW 1-Series. Avoid renewing and save up to £523 with MoneySuperMarket. Vehicles in the UK are categorised into insurance groups, ranging from group 1 (the cheapest) to group 50 (the most expensive), which partly determine the cost of your premium. Compared to full coverage, getting liability-only coverage at the state minimum level will make your auto insurance much cheaper. Using the MoneyGeek. The best car insurance companies in Virginia are Rockingham Insurance, Elephant Insurance, and The General, based on user ratings on WalletHub. Car insurance costs are also low in Vermont, North Carolina, Idaho, and Maine, according to our analysis. If you have multiple vehicles for your company, maintaining insurance on them can be difficult. And find out your car's insurance group in seconds. What does car insurance group 25 mean? Cars in insurance group 25 lead to mid-range insurance premiums. That means they typically rank just above average for the factors used to rank these groups,. When it comes to insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive). Preferred rates and advantages for members and employees of our partner organizations. Knowing how much you should expect to pay for car insurance can help you find the best deal. 6 Mo. Enter the requested personal information, such as your full name, date of birth and driver’s license number. Geico: Best for drivers looking for low-cost coverage. The GEICO Mobile app and site received #1 rankings according to the Keynova Group Q1 and Q3 2021 Mobile Insurance Scorecards. Prices for third-party and third-party fire & theft policies are even higher, costing £1,893 and £1,438 ++ respectively. State Farm is the cheapest large auto insurance company in the nation for good drivers, according to NerdWallet’s 2023 analysis of minimum. Cars in group 1, such as the Volkswagen Up, are the cheapest to insure. Van insurance groups work in a very similar way to car insurance groups, with one key (and slightly complicated) difference. Auto-Owners: Best Cost for Drivers Who Have Caused an. works with Nationwide to provide drivers with a wide range of coverage choices. How to compare car insurance rates Compare car insurance rates by age - Compare car insurance for 20-year-olds - Compare car insurance for 35-year-olds. Group 50 is the highest and has the most expensive cars to insure. esure offer 5 Star rated1 comprehensive cover for your electric or hybrid vehicle. Variable 1: Do you own a car? Check your existing coverage. The Hybrid model, which uses a 1. Yanak Insurance Group in Sandusky has a variety of options to help protect your home and personal belongings in the aftermath of an unexpected incident. Dacia Logan MCV. There are 50 different car insurance groups, with group 1 usually being the cheapest to insure and group 50 being the most expensive. distinguishing them from the other vehicle types in the design group. Fully comprehensive policies are likely to be €400 a year or more. Security ratings explained. It won’t cover damage to your own pickup truck, though. b. El Paso is aligned with the Texas average for car insurance. Want up to £10 off? Car Insurance Insurance Groups - If you are looking for multiple quotes on different types of insurance then try our online service. Cars in insurance group 23 are moving towards the higher part of the scale in terms of insurance premiums. Wichita, KS 67205. Car insurance groups are broadly set by The Group Rating Panel and administered by Thatcham Research. A van’s registration date is crucialSummary of Different Groups If you face any problem in choosing ledger or any problem in Tally, Excel, Accounts or Tax, you can ask us here or learn free at Teachoo. which is the largest difference between any two age groups. SourcesMercedes-Benz A-class insurance groups. Originally, the group ratings for car insurance groups were only from 1 to 20. What the insurance categories mean for you There are 6 letters applied to car insurance groups. In the UK, cars are organised into groups, which are then used by insurance companies when calculating your insurance quote. Logan MCV Access SCe 75, 2016-2020, 5dr, petrol, manual. Savings on premiums: One of the biggest benefits of a Group Car Insurance Discount is the potential savings on your car insurance premiums. E: Car has exceeded security requirements and is placed in a lower insurance group. In second place is Auto-Owners, which costs $111 per month,. Californians save an average of $806* with Mercury Auto Insurance. So, if the result you’re looking at is “122” that means it’s 22% above average. Find out more about how car. The cost of repairing one is also going to be low, as this again contributes to the overall pricing structure used by. They tend to be cheap, small, cars which insurers deem as unlikely to be in an accident or as a target for thieves. The groups are determined by the Group Rating Panel, which is made up of representatives of the insurance industry and meets every month to determine car insurance groups. RRGs allow businesses with similar insurance needs to pool their risks and form an insurance company that they operate under state regulated guidelines. 1787 or info@agfinancialinsurance. Counterfeit check notice - It has come to our attention that a third party, (or parties), is issuing counterfeit Hanover checks to individuals as part of a scam. A la carte only. Car Insurance Group 30 - If you are looking for quotes that will get you the best coverage then try our service first. Dallas ranks as the fourteenth most expensive city for car insurance in Texas. A policy from State Farm costs $268 per month, versus Geico's average rate of $284 per month. Deductible. The Zebra's key takeaways about car insurance in El Paso: The average cost of a car insurance policy in El Paso is $981 per six-month policy — $164 per month. For. Your province. Car insurance postcode ratings. Vauxhall Corsa insurance groups. These are weighted figures, and the prices are based on fully comprehensive car insurance policies, with the policy. The Cheapest Car Insurance After an Accident Causing Injury: Auto-Owners. Cars in group 1 are generally the cheapest to insure and those in group 50 are the most expensive. Check what car your group is in using our car insurance group checker tool. There are 50 different car insurance groups, with those in insurance group 1 being the cheapest cars to insure and those in insurance group 50 the most expensive. Car make/model. 11 a year. Saturday 9:00am - 5:00pm. However, CLEAR is just one factor used to determine your auto insurance premium – where you live and your driving record are also factors considered. Learn about your state’s auto insurance requirements. Rates are based on a. Low risk of being in an accident. If you get a car with a basic trim level, it will have a lower insurance rating, and it will be cheaper to insure that one with. The groups are numbered from 1 to 50, with 1 being the lowest risk and 50 being the highest risk. Tailored car insurance coverage for your vehicle. Good drivers can find minimum insurance coverage as low as $38 per month or full coverage as low as $105 per month in the city. Every car in the UK is allocated an insurance group to help insurers work out how much to charge you for cover. This includes things about the driver such as their age, profession, and driving history but also things about the car including its make, model, and age. That's the highest prices have been on record and a huge £338 increase in the last 12 months. Aviva was recognised as one of the best multi-car providers in the UK as it offers up to a 10% multi-car discount. Cover gets more expensive as you move up through the groups. Quotes are based on a 45 years old single driver driving in South East of England, no record, comprehensive policy. Travelers: Great for customers buying a new. The three main types of car insurance are often considered liability, comprehensive, and collision, but there are many more available PIP and UM/UIM coverage might be required by your state in addition to liability coverage Comprehensive and collision are popular and. UAIC, United Automobile Insurance Company is a property and casualty insurance organization specializing in automobile insurance. What is insurance group 32? When it comes to insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive), and this helps work out the cost of your car insurance premium. However, it will also leave you at risk. Visit the insurance company’s website. Insurance group 48 cars are therefore among the. Home, life and car insurance from Farmers Insurance. Car make/model. This. Out of the 50 groups in total this practical SUV sits midway at group 26. The Hartford offers AARP members great ways to save on car and home insurance, so get an insurance quote online today & start saving. The Insurance Institute for Highway Safety (IIHS) is an independent, nonprofit scientific and educational organization dedicated to reducing deaths, injuries and property damage from motor vehicle crashes through research and evaluation and through education of consumers, policymakers and safety professionals. It’s all about risk and working out how likely. Including car, motorcycle, homeowners, pet, farm, life and commercial insurance. Conversely, lower risk vehicles will be placed into lower groups. Find out more. Conversely, lower risk vehicles will be placed into lower groups. Start with group 1 if this is your aim - generally. AANT. AAA sells auto insurance nationwide. Be it a second-hand van or a brand-new model, you will undoubtedly have a specific vehicle in mind. A hybrid option is also available which helps to keep costs down. It's easy to get quotes. Neighboring Georgia's rates, on. Petersburg costs an average of $1,577 for a six-month policy or $263 per month on average. Cars are assigned to a car insurance group based on the scores they receive across several categories, including the price, safety features and the power of the engine. Dine out – 25% off total bill: Days available vary by outlet. 8%), Allstate (9. 0 S, Lexus RX 350, and Tesla Model 3 Standard Plus are some of the most expensive cars to insure in 2022. Customize your car insurance coverage. Nonprofit insurance is a type of business insurance that helps protect 501 (c) (3) organizations from risks and claims that can come up during normal operations. A Group Rating Panel, made up of members of the Association of British Insurers and the Lloyd’s Market Association, meets monthly to set the ratings for new cars. Employees' monthly premiums are paid using. The Consumer Price Index shows car insurance rates have gone up 20% nationwide and that includes Minnesota and western Wisconsin. However, it will also leave you at risk. Your professional association or employer may be on our list. 62 per month. WalletHub makes it easy to find the best car insurance companies in Virginia. Best for drivers with a. 3, while Geico and Nationwide tied at No. View the cheapest car insurance rates from some of. Premium; USAA: $1,712 GEICO: $2,128. Insurance group. 38. When it comes to insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive), and this helps work out the cost of your car insurance premiums. In the preferred tier, these are customers who insurers desire as they usually have a clean driving record, no lapse in coverage, excellent credit. One of the best ways to save money on car insurance is to compare quotes. Car insurance companies weigh several individual rating factors when considering which rate to charge you, including your age, driving record, address, the type of car you drive and more. In Chattanooga, married motorists pay $112 less than single drivers for auto insurance. Car insurance rates after at-fault accident claim. The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States. Car Insurance Group Cost Comparison 🟢 Oct 2023. As with standard vehicle insurance, there are three different cover levels for pickup truck insurance: Third-party is the least amount of cover you’ll need by law. Zebra Tip:. Compare car insurance quotes from over 163 leading providers in minutes. AAMI (Australian Associated Motor Insurers) Insurance Australia Group (IAG) Vero Insurance (AAI Ltd) Shannons. The insurance group rating is the key. The. New York drivers often find the best rates with NGM Insurance. The kind of car you drive will have an impact on the cost of your car insurance, as insurers put all cars into different groups from 1 to 50. 2. Commercial repair facility. Your information is kept secure. Car make/model. The cost of auto insurance increased by 45. Best's rating of A (Excellent). This is because of the following reasons: Small, reliable cars. Most new cars are assigned to an insurance group – a rating between 1 and 50* that indicates the level of risk as seen by the insurers. 2nd place: Auto-Owners. In the United States in 2017, the largest private passenger vehicle insurance providers in terms of market share were State Farm (18.