Like any insurance, your car insurance is based on risk. If you drive long-distance, drive often, have a new or expensive car, have had accidents in the past or have a history of claims, insurers will see you as a higher risk to need to make a claim again. But these are not always the case. Your insurance can also depend on age, gender, where you store the car, the car itself, and the type of cover that you require.

For some, their insurance may be high due to over-insurance. This is where they are unknowingly paying for policy features which either don’t apply to them or that they will never use. It’s essential you understand what you don’t need just as much as what you do.