Confused about car insurance quotes

pezz18

Hi,
My current vehicle, Citroen DS3 has an insurance group of 22. I am looking at part exchanging for a Mazda 3 with an insurance group of 12. I have run a few insurance quotes on both vehicles to compare the differences, yet I have found my Citroen quotes are coming out at £200, and the mazda at £250!! - how can this be when the mazda has a lower insurance group!? - they are both 1.6 litre petrol and both same age / similar milage!

Cheers Andy

dacouch

How old are each of the cars?

pezz18

They are both on a 2010 (10) plate.

DUTR

pezz18 wrote: »

They are both on a 2010 (10) plate.

Although cars are in insurance groups, some then get loaded, when I got my Corrado from a Golf GTI the insurance was lower even though the group was higher.

gilbert_and_sullivan

You might do better to ask your own insurer for a quote, well unless its one of those (often referred to here, seldom in a good way) who quotes cheap but then rips you off for any admin or other changes.

Iceweasel

pezz18 wrote: »

Hi,
My current vehicle, Citroen DS3 has an insurance group of 22. I am looking at part exchanging for a Mazda 3 with an insurance group of 12. I have run a few insurance quotes on both vehicles to compare the differences, yet I have found my Citroen quotes are coming out at £200, and the mazda at £250!! - how can this be when the mazda has a lower insurance group!? - they are both 1.6 litre petrol and both same age / similar milage!

Cheers Andy

How can this be?

Easy - the insurances companies can do as they please - they think of a number and then double it.

These group numbers mean very little.

flicks

I know very little about these 2 cars but although they both have 1.6l engines does one produce more BHP than the other?


Also I believe the insurance companies look at "stealability" in their quotes as well, (ie is one car going to be more appealing to thieves than the other).

Norman_Castle

dacouch wrote: »

How old are each of the cars?

I understand insurers can rate older or cheaper cars differently but what is their definition of old or cheap?.

forgotmyname

The grouping is how much a car costs to repair not how many are likely to have claims.

A Corsa is a low group but because so many young drivers have them for a first car and crash them the premium is much higher than a car that maybe in a much higher group but with very few claims.

So the good news that if you do crash it the repairs should be cheaper.

parking_question_chap

Put an old women on the policy as a named driver, will bring it down a bit.

worried_jim

parking_question_chap wrote: »

Put an old women on the policy as a named driver, will bring it down a bit.

Will Miss Daisy do?