Some of the factors used to calculate car insurance group ratings are:

• Cost of parts
  The lower the cost of parts to repair a car, the more likelihood there is of a lower group rating.
• Repair times
  The longer it takes to repair a car, the more it costs and it’s more likely to fall in a higher car insurance group.
• New car values
  Cars with a higher specification cost more to buy as new.
• Performance
  Acceleration and top speed are important factors. Our claims statistics show that high performance cars result in more frequent insurance claims.
• Security
  Alarms, immobilisers and locking devises fitted as standard by motor manufacturers can help to reduce the cost of insurance claims.