It should be noted that although I am writing this as a car driver in the United Kingdom most of the factors taken into consideration for calculating a car insurance premium are fairly standard worldwide procedures and will apply to you as a car driver where ever you may live throughout the world.



There are many factors that are taken into account by the car insurance company when evaluating what premium they will charge you for your annual insurance cover.

Some important facts to the total insurance premium you will pay for your car insurance premium are your age, your sex, past motoring experience and occupation.

An individuals age is one of the most important factors in calculating a car insurance quote as proven statistics held by the insurance companies show evidence that in general younger drivers are more likely to be involved in an accident compared to an older driver.

Also it is certainly proven that female car drivers are less likely to be involved in an accident and therefore cost the insurance company less payout compared to a male driver.

Past motoring experience such as the number of years you have been driving without being involved in a car insurance claim and without receiving police endorsements for car related incidents such as driving without insurance, driving whilst under the influence of alcohol or drug substances, dangerous driving or speeding is also another major factor in the car insurance quote process.

When first obtaining your car insurance quote whether online or offline it is of the utmost importance to provide the car insurance company with all the relevant facts regarding your motoring history as this is the basics upon which your car insurance premium will be based and if accepted by you will be the information written down on the car insurance proposal form, this proposal form is the legal contract between you and your car insurance provider and is signed by you stating that all the facts you have provided are correct.

You will find that by obtaining car insurance quotes from several car insurance companies that your annual premium can be vastly different from company to company and therefore it is in your own interest to shop around to find which one suits you best, always bearing in mind to find out not only the annual car insurance premium but also what cover is provided by the car insurance company for your money.