Car Insurance Groups

Car insurance groups determine how high your rates will be by evaluating cost of parts and repair, new car values, and more. The lower your car insurance group rating, the lower your rates will be.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 27, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Several factors including cost of damage and parts, car performance and speed, and new car values affect group ratings
  • Comparing insurance companies is fast and easy when you use online quote tools like the one on our website
  • Make sure you have the details you need such as personal information and car registration before requesting a quote

It is a must for every car owner to be able to save as much money as they can in their car insurance groups. There are several factors that can affect how much you are likely to pay for your insurance, and your group rating is one of the deciding factors.

It is important for you to know how these ratings are calculated. A low group rating means that you will have a cheaper insurance price.

Compare your group and individual car insurance rates with your zip code now!

Factors Affecting Car Insurance Group Ratings

  • Cost of damage and parts – The lower the cost of damage and parts are, the lower your group rating will be. It is actually one of the major factors since that is where most of the insurance claim money goes.
  • Repair times and costs – When it comes to repair, the parts and labor are also taken into consideration. The longer the repair time is, the higher the car insurance group rating will be. Cars manufactured outside the country also tend to have a higher rating.
  • New car values – You can also take a look at the prices of new cars to get an idea on how much the replacement costs will be. An expensive luxury model will yield a higher group rating than a brand new ordinary car that costs much less than the luxury car.
  • Basic frame – The body shell or basic frame of a car is an important factor since it is usually the one repaired in many accidental damages. If your car is foreign, the body shell will definitely be more expensive and your car insurance group rating falls in the higher groups.
  • Performance and speed – This also equates to a higher risk of getting into an accident, so your group rating will naturally be higher.
  • Car security – You should also take the security features of your car into consideration, since this can reduce insurance claims and thus decrease group ratings. Examples of good security features include door locks, alarm systems, and identification numbers that are easily visible.

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Comparing Car Insurance Quotes

You can use the free tool here on this website to compare car insurance quotes from different auto insurance companies. There are a variety of reasons why you should compare auto insurance quotes and why online is the best way to do so.

  • Comparison tools – With this free online tool, you can calculate the premium and total payment you need to make. You also get a breakdown of what exactly you are paying for the coverage. It is important to compare insurance quotes so that you can get the lowest possible price.
  • Negotiation capabilities – Ask for premium discounts if you have a flawless record in regards to fines and accidents in the past.
  • Speed – Online car insurance quotes are instantly viewable, so you don’t need to wait for a long time to get your quote. This gives you more time to compare different car insurance groups.

How to Get a Car Insurance Quote

Here are the things that you should prepare first to get an accurate price quote for your car insurance:

  • Personal details – This includes your full name, address, and date of birth.
  • Car registration number – Some people do not have the registration details of their car at hand, so an alternative for this is to give details about your car like the model, year, and make.
  • Estimated car value – You can check out different websites like Kelly Blue Book to find out how much your car is worth.
  • Security devices – You will need to enumerate the different security features installed in your car. Also, include where you park your car overnight since it also helps to beef up security.
  • Motoring claims, accidents, or losses – Whether these accidents happened with your current car or with an old one, you need to let your insurance company know about these details. Only include those incidents that happened within the past three years.
  • Motoring convictions or offenses – As for this, include the offenses that happened within the last five years.
  • Type of cover required – There are different types of car insurances, so you need to state what type you need — comprehensive and collision, third party fire and theft, or third party cover.

So what are you waiting for? Try comparing different auto insurance quotes now using our free tool.

Type your zip code into the box and compare car insurance rates now!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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