LIVELISTINGS UK TV & Directory Listings TV Listings   Weather   Flowers   Clothing   Insurance   Insurance home   Best contents insurance   Best house insurance   boat insurance   Vehicle insurance   Cheap car insurance   Car insurance for women   Motor insurance   Minibus insurance   Cheap motorcycle insurance   Static caravan insurance   Cheap student car insurance   Young driver's car insurance   Car insurance for young female drivers   Breakdown insurance   Cheap car insurance quote   Cheap caravan insurance   Cheap vehicle insurance   Motorhome insurance   Campervan insurance   Group 4 Insurance   Car traders insurance   New driver insurance   Pay monthly car insurance   Insurance young drivers   cheap female car insurance   Car third party insurance   Classic car insurance   insurance group - fiestas   temporary car cover   Travel insurance   Personal insurance   Critical illness   Finance   Automotive   Home improvements   Travel   Business   Property   Healthcare   Leisure   Jewellery   Garden and gardening   Internet   Weddings   Contact us   About   Featured sites   Office space london   Miscellaneous   Sitemap   Sitemap   Sitemap2   Sitemap3   Sitemap4   Sitemap5   Home > Insurance > Sections: Boat insurance Travel insurance Vehicle insurance Personal insurance Critical illness Low insurance premiums for insurance group 4 car owners The first thing to remember is that insurance group ratings are purely advisory in that cars are placed in one of twenty "insurance groups" by the Group Rating Panel, which bases groupings primarily on research conducted by the Motor Insurance Repair Research Centre (Thatcham), but not every insurer uses the groups advised by the Panel, but instead choose their own ratings. The factors used to calculate group ratings are quite simple and depend mainly on the following: damage and parts costs; repair times; value; availability of body shells; performance; and security - all of which is to do with the car, not the driver! Whichever set of criteria an insurer works to, you'll typically find that cars in lower insurance groups attract a lower premium whilst cars in higher insurance groups attract a higher premium, usually because they are high performance models or prestige cars that have high repair or replacement costs, so if your car is in insurance group 4 you can expect to pay a low premium - provided your own driving credentials don't prevent that. As we have said above, insurance group ratings are purely advisory, and are used by lots motor insurers as just one of the many input factors in calculating premiums. As such, they can provide a useful indicator of the likely relative cost of insuring a particular vehicle. That being the case, insurers do not have to follow the advisory group ratings and the full cost of insurance will depend entirely on the age and status of the policy holder in addition to the insurance group rating of 4 or whatever.   TV Listings  | Automotive | Clothing | Insurance | Finance | Home and Garden | Travel | Miscellaneous | Business | Promotional products | Property | Healthcare | Leisure | Jewellery | Flowers | Sitemap page 1 | Sitemap page 2 | Sitemap page 3 | Sitemap page 4 | Sitemap page 5 | Privacy policy | Home page