You and your driving habits
Your age is a really important factor when it comes to your car insurance as typically younger drivers are a higher risk than older drivers.
The length of time you’ve held your licence can also impact your price. Newer drivers are typically a higher risk than more experienced drivers. If you drive your car during rush hour or commute to work, you might see your price affected as this suggests your car will be driven during busy periods and more likely to be involved in an incident.
Spending more time on the road and doing more miles a year can impact the price of your insurance as you’re more likely to be in an accident, simply because you drive more.