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Type of car / Driving record
There are currently 20 insurance groups to classify cars in the UK.
The scale is easy to understand. Basic cars with small engines such
as a Mini Metro are likely to be Group 1 going all the way up to high
performance prestige vehicles such as a Bentley or Ferrari 360 which
could be Group 20.
For further details of the insurance group of vehicles visit http://www.parkers.co.uk.
They have a comprehensive list of all the group classifications. Motoring
convictions obviously play a major part in calculating your premium.
Try to stay out of trouble as the majority of insurers ask if you have
had any convictions in the last five years,points can effect your insurance
premium for a long time.
How old you are / Modifications / Male or Female
?
Basically the younger you are the more it costs more so if you have
little or no driving experience and have not been driving long enough
to build up a no claims bonus. The major mile stones for cheaper premiums
tend to be 21, 25, and by the time you get to 35 you should be getting
favorable rates. If you have added alloys, body or engine modifications
to your car your insurance company may a judge you vehicle to be more
attractive to thieves and raise your premium accordingly. Yes gender
makes a difference. Fair or not many insurance companies judge women
to be a better risk than men and are likely to to quote lower premiums
for the same age and experienced driver if she is female.
Occupation / Your area / Car parking and security
Insurance companies will gauge how risky they think you occupation
is and use this when setting your premium. Generally the more miles
you drive and the more you use your vehicle the higher the premium
will be . Unfortunately insurance companies use your postcode to decide
how much they think your vehicle is at risk. In simple terms this
means that inner city postcodes such as Manchester or Central London
tend to be expensive where as rural areas such as Yorkshire and cornwall
are likely to be cheaper. Security of your vehicle at night is closely
linked to where you live. Some insurers will give you a discount is
you car is kept on a drive or garaged at night. Another way of saving
money on your premium is having a Thatcham approved alarm fitted to
your vehicle. All new cars have an immobiliser factory fitted. If
you are buying a new car see if it has an approved device installed
, it could save you money on your cover.