This article explains the factors that determine motor insurance premiums.
The factors include:
Age - drivers younger than 25 and older than 65 pay higher premiums
Gender - males pay more than females
Occupation
Size of car
It recommends consumers to shop around for the cheapest premium rates, as different insurance companies charge differently.
Here are some statistics from the Association of British Insuers:
The ABI said the average cost of a claim by a 60 to 64-year-old driver is £1,170, while the average claim by someone aged over 80 is £1,716 - almost 50 per cent more.
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