What affects the price of car insurance?
There are a number of factors that can affect the price that you pay for your car insurance, these include:
Your driving history
This includes things like any accidents you've had, the claims you've made and any driving convictions you have. All of these help give insurers an idea of how you drive and as a result, influence how much you pay.
Level of security
Cars with trackers and alarms are seen as more secure by insurance companies and should have a positive impact on the cost of your policy.
Your voluntary excess
This is the amount you are willing to pay if you have to make a claim as a result of an accident. The higher this amount is, the lower the cost of your policy will be.
Your age and driving experience
A lot of insurers see younger drivers as much higher risk compared to older drivers, so premiums tend to be higher for younger people.
Your job
Your occupation will be a factor in your insurance costs. If you work in a job that means you spend a lot of time on the road, it could cause your insurance costs to be higher.How can I save on Volvo car insurance?
How much you pay for car insurance for your Audi depends on a lot of factors mentioned above, but there are things you can do to help bring down the cost of your policy:
Pay annually for your car insurance and you could save money. If you decide to pay monthly, you could end up paying more for your policy due to interest rates.
Taking a driving course such as an advanced driving course or pass plus could also help reduce the cost of your insurance. This is because you'll be seen as less likely to have an accident in the eyes of your insurer, which should help lower the cost of your insurance.
Make sure you choose the right level of cover for your Volvo. It's a common mistake for people to think that third party cover will be the cheapest, when in fact comprehensive cover is often the cheapest and also provides the highest level of cover.
Consider how you use your car. If you just use your car socially and for getting to and from your place of work, then social and commuting cover will be fine. If you don't use your car for work-related purposes, then you won't need business car insurance.
Adding a named driver to your insurance could also save you money. This will all depend on the experience, driving history and no-claims bonus that this driver has. Just be sure to list the main driver of the car as the policy holder to avoid issues such as fronting.
What insurance can I get for my Volvo?
When you buy car insurance, you can choose from 3 levels of cover which include:
- Third-party
- Third-party fire and theft
- Comprehensive
Car insurance articles
Radar Detectors
We look at speed camera and radar detectors and talk through the laws around their use in the UK.
The 5 most common motoring offences
We look at the most common motoring offences in 2025
Countries that drive on the left
Which countries drive on the left? And why do they do it? We offer some advice if you haven’t driven on the left hand side of the road before and what to expect.
Staying calm during bank holiday traffic
Heading away for the bank holiday and worried about the traffic? Learn how to manage frustration, practise defensive driving and find a calmer mindset with these practical tips.
Speeding fines surge by 14% as AI cameras catch thousands of drivers
We look at the new AI speed cameras that can see inside vehicles, catching motorists who are speeding, not wearing a seatbelt and using their mobile phone.
Digital driving licences are coming - here’s what you need to know
Big changes are coming to how we carry our driving licences in the UK. A digital version is on the way. Here’s what that means for you.
cookie usage