The Group Rating Panel look at a number of factors, including statistics provided by Thatcham, who research the efficiency, safety, and repair costs of vehicles.
The rating a car is given are based on the 'risk' of the car, and that directly impacts the cost of insuring the vehicle. Ratings are from one to 50, with 50 being the highest group. Thatcham look at:
How much damage will the car sustain in an accident? The less damage it might suffer, the cheaper it will be to repair.
In general, the longer a car takes to repair the more it will cost to repair.
If a vehicle is expensive to purchase from new, its parts costs are also likely to be equally as expensive, compared to cheaper models.
Higher performance cars are more likely to be involved in an insurance claim, which could push them up toward the higher end of the insurance group classification
Does it come with ABS or maybe side airbags as standard? If so it may be less likely to be involved in an accident, or if it is in an accident its occupants are better protected which may reduce the cost of an insurance claim to the insurance company.
If it's more difficult to steal it will deter thieves, which may place the car in a lower insurance group.
Cars that will fall into the higher insurance group will generally be high performance or expensive models.
If you are looking for the cheapest insurance groups possible, the following are all cars in insurance group 1 (as of 25/4/2016):
These are some of the more popular cars currently manufactured that fall into lower car insurance groups, which should mean cheaper car insurance quotes:
If you want to check what your cars insurance group is, take a look at the Thatcham research website
Just very satisfied
Linda from Stockport
Great customer service from the advisor. If I do need to ring for a claim I hope the service continues to be as good as it started. This is my second year with One Call Direct, so far so good.
Ben from Sheffield
Recently changed to One Call - realised things not going to plan, so made a call and things quickly sorted out by the advisors (my mistake inputting data).After that everything went smoothly and received all required documents quickly online. Would defiantly recommend One Call to other people. I hope I don't have an accident, but if I do I'm sure that everything will be handled smoothly and swiftly.
Bob from Wrexham
I phoned Hayley at One Call and she arranged car insurance for me today over the phone, she was efficient and very helpful. I would recommend this company to anyone. My husband will change to this company when his present insurance expires and I will get Â£25 !!!
Hayley from Doncaster
I got some quotes from moneysupermarket and comparethemarket (simples!) and although One Call weren't the cheapest they included free breakdown cover included so I decided to go with them.
Lucy from Barnsley
Spoke to a lady about change of car and she answered quickly and professionally. Convinced me it was a good deal even though I had to pay a fee of Â£55 but I could spread that over the remaining 6 months direct debit. Spent more of her time asking questions about insurance scenarios on another car of which she was more than happy to answer. Found the whole experience pleasant. Well done!
Martin from Eastleigh