What does the cost of my car insurance depend on?
Your specific car insurance quote takes into account a large number of factors -some related to you, and some related to the car you drive.
For example, your age, how long you’ve been driving, where you live, and even what you do for a living are all factored in to the calculation of the price.
Then there’s the car. What model is it - and therefore which insurance group, how many miles a year do you drive, what’s its value? These factors can make a big difference. Check out our list of the cheapest car models, to see how this compares too.
You’d be forgiven for thinking that the answer to all those questions is the same for every insurance provider, so why do they have different prices?
Well, to start with, while insurance providers calculate their prices in broadly similar ways, they all have their own models and formulas that they use. These produce different answers. They also have different attitudes to the risks that they’re willing to take. While some insurance providers will specialise in providing quotes for younger drivers for example, some may prefer not to.