Because AC-3 means it will be switching highly inductive loads such as motors and that s very difficult compared to resistive loads, which is what AC-1 is for.
Resistive load ratings for AC-1 have much lower "inrush current" needs and are primarily based only n the thermal current carrying capacity of the conductive parts and the convection cooling of them.
Inductive load ratings for AC-3 must consider the heating effects of having a 600% current inrush and how the heat created will be dissipated. This also must take into account the switching duty, i.e. how much time must elapse beween these high inrush events. If for instance you are using the contactor to switch a motor on and off every 3 seconds, the AC-1 rating will be significantly lower because that extra heat created by repeated inrush currents cannot escape the conductive elements very fast.
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The ratings are dependent on the load types and duty cycles (AC/DC)
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