insurance companies use zany algorithms to get insurance quotes --
As mentioned already any of the following WILL have a huge impact on a premium
Area >> the algorithm will have post codes already ranked for risk.. so London, or parts of it would rank high
NCB Record
Age
Previous Claims
Car in Question / Modifications
Martial Status
House owner
They are basically the main things they look for - if you are 23 and score well on the rest of the bullet points you will most likely 'score' better than someone who is much older with lesser marks on other points
Also, older experienced drivers usually get cheaper quotes for fully comp rather than third party fire and theft - the opposite is true if you are an inexperienced driver.
As mentioned already any of the following WILL have a huge impact on a premium
Area >> the algorithm will have post codes already ranked for risk.. so London, or parts of it would rank high
NCB Record
Age
Previous Claims
Car in Question / Modifications
Martial Status
House owner
They are basically the main things they look for - if you are 23 and score well on the rest of the bullet points you will most likely 'score' better than someone who is much older with lesser marks on other points
Also, older experienced drivers usually get cheaper quotes for fully comp rather than third party fire and theft - the opposite is true if you are an inexperienced driver.