| Car insurance premiums are never the same for | | | | driving experience you have and therefore how risky |
| everyone - insurers use a range of information to | | | | a proposition you are when it comes to getting into |
| decide what to charge for cover and it is important | | | | accidents. |
| that drivers know what affects the price they pay. | | | | As such, the younger you are, the more you will |
| The data used to determine premiums includes | | | | probably have to pay for your car insurance. |
| personal details, your driving record and the type of | | | | Licence points |
| vehicle you use. | | | | Some driving offences result in points being added to |
| Where you live | | | | your licence - and the more you have, the greater the |
| Your address is important because if you live in a | | | | likelihood that the cost of your car insurance will go up. |
| crime-prone area, your premiums are likely to be | | | | This is one incentive for driving as safely as possible - |
| higher. | | | | if you have a clean record, insurers have little reason |
| Insurers mainly price their cover based on risk, so if | | | | to believe you will commit a major motoring offence. |
| your car is more likely to be stolen or damaged | | | | Your car |
| because you live in an inner city region rather than a | | | | The vehicle you drive is perhaps one of the biggest |
| remote village with few inhabitants, you will have to | | | | factors that affect car insurance premiums. |
| pay more to get insured. | | | | You will typically find that a large, powerful car will |
| What you do | | | | command higher cover costs than those that are |
| Your job can be an indicator of how you will use your | | | | smaller and unable to be driven as fast. |
| vehicle. | | | | In addition, the more secure your motor is the lower |
| For example, certain occupations may be seen as | | | | your premiums will be, as good security such as |
| being likely to result in frequent, fast motoring more | | | | alarms and extra locks can help to deter would-be |
| than other positions. This can mean your premiums will | | | | thieves. |
| be higher. | | | | When buying a new car, it is a good idea to |
| How old you are | | | | double-check the insurance group it falls into to see |
| Your age is seen as a way of determining how much | | | | how much your policy is likely to cost. |