Fact - the make and model of your current car or your new car will largely have an effect on the car insurance quotes that you are able to obtain, whether high or low. This is hardly an obscure fact because most people know it, but what they do not know is that this effect is all part of a grouping system.

According to The AA, there are 20 insurance groups that your car could fit into, but there are actually around 50 groups now as a result of the amount of high performance cars that are produced and the relative expense associated with them.

Your car insurance quotes will reflect the car you own at the moment and the ones that you will own in the future. A Vauxhall or a small Ford, like a Fiesta for example, will be in the lowest insurance groups. However, if you have a limited edition performance car then it is a possibility that you may not be able to afford the insurance at that grouping level (taking your age and driving record or experience into consideration of course). A Zonda is a great example of this!

Many drivers try to guess the level of insurance they would be offered in terms of the price but that is not to say that they are right or that it is easy. Of course, looking into the groups makes it a little easier because there is an unwritten rule as such - the lower the group the cheaper the car insurance.

The structure of the car insurance groups is complex and contains many factors. All of them add up to the level of risk for the insurer. That is both how likely you are to have an accident and how much it will cost them to pay for a new car or repairs. The higher the risk, the higher the group and the more you will have to pay.

Some of the specific factors that are taken into consideration when determining the group of an individual car, and thus the level of your car insurance premiums, are obvious. For example, the cost of the car when new, the amount of money it would take to repair it and the performance of the vehicle are the obvious factors. The latter includes the image (and thus how likely it is to get stolen), the top speed and the acceleration from 0mph to 60mph.

However, there are a few factors that many drivers do not think about, such as the shell of the car and how readily available and cost effective a new one would be. In fact, the more difficult it is to get a hold of parts, the more expensive your car insurance quotes will probably be.

It is worth bearing in mind though that car insurance companies are a law to themselves, meaning that they can choose to disregard the groups completely if they like. Although most follow them, some do not so you may be in for a surprise some way down the line.