In the UK getting a good car insurance deal can depend on a multitude of factors
It has known for quite a while in the UK that womens car insurance is often cheaper than Motor insurance for Men. Various studies have been reported throughout motoring history that women do not make as many car insurance claims.
The experience a driver has is seen an invaluable if you want to get a cheap car insurance quote. This is why insurance premiums on young new drivers with very low performance cars are still paying often around £1000 to insure their car on the road. A 50 year old male however will probably have to pay in the region of half that amount for a car 10 times as powerful.
Unfortunately where you live can often have a large determining factor as to whether your premium is going to be sky high. A nice country village retreat property will certainly be cheaper than an inner city with a high crime rate. It all goes down to the "Postcode Lottery"
Fortunately there are ways to help you gain trust from UK insurers and that is to build up years of no claims where bonuses can be applied. There are more UK insurers who are now offering protected no claims bonuses once you reach a certain level of years, however these type of premiums can often add cost to your insurance policy.
Disclosing the number of accidents you have had in the last 3 years is seen as standard practice when getting a quote for car insurance online. The number of driving offenses also can drive up the premiums. This is proportioned according to the number of points on your license. Recently many insurers however said they would not penalize premiums consumers with 3 points on their license as the number of people was so large in the UK with 3 points on their license.
In the UK the main types of cover are seen as Third Party, Third Party Fire and Theft, and Comprehensive cover. Third Party is defined as covering only the car the insured has been involved with, Fire and Theft covers these factors on your car, and Comprehensive cover covers any damage to your vehicle as well as any vehicle involved in an incident with.
One of the main residing factors is at the end of the day the car that you drive as it's the main commodity within any policy and performance is a key factor to the risk you are at as a driver.