In this paper we formulate a set of empirical rules for constructing SU(2) \ensuremath{\bigotimes} U(1) gauge models by considering the constraints imposed by the present neutral-current data. To do this we allow, apart from the constraints imposed by universality and quark-lepton symmetry, arbitrary left- and right-handed fermion multiplet structures as well as an arbitrary Higgs sector. Before doing the general analysis we consider two examples where there are additional simplifying results. Some simple models satisfying the empirical rules are also discussed.