I got a good deal when taking out my SAGA car insurance policy for the 1st time - but when i changed my car to one in a lower insurance group (16 down to 10) I was quoted an extra £190 for the remaining 11 months cover - almost 50% on top of the cost of the original insurance! When I queried this I was simply told SAGA don't use the usual insurance groups - not at all satisfactory. in addition waiting times to get through to their call centre were too long