Generally speaking there are around 30 different questions that can affect your price.  Of these there are around 6 crucial factors that usually influence the price the most.  These are:

No Claims Bonus - Full No Claims Bonus is usually considered to be 5 years or more.

Age - Companies will often look at the age of the youngest driver on the policy for rating.

Postcode - Car Insurance companies will place every UK postcode into a specific group.

Car - Car Insurance companies will use the Car Insurance Group Number to rate your vehicle.

Occupation - Car Insurance companies will usually split occupations up into various groups.

Cover Required - Usually Fully Comprehensive is the most expensive followed by Third Party Fire & Theft and then Third Party Only.

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