Once you have chosen the type of protection you want, you can start searching for your policy.

It’s worth knowing, however, that before you begin your search there are a number of factors which will affect how much you pay for your policy – regardless of whether it’s a cheap third-party or sophisticated comprehensive scheme. Age, gender, the number of points you have on your licence and a holding a criminal record could affect your premiums (the amount you pay for the policy each year).

Young Drivers who have just passed their test must face the prospect of high premiums during their elementary driving years. Statistics show young drivers have the most accidents and suffer most from theft – reason enough for most insurance companies to hike their charges.

Young drivers who do not have their own car, but want to drive, often have their parents include them as a named driver on their insurance policy. This is a cheaper option. Also, if you are a student there are companies who have special deals just for you so it’s worth searching the market for them.

Women. Statistics show, on average, women drive shorter distances, have lower mileage, drive more cautiously than men and have relatively minor accidents compared to male counterparts.

Therefore, many insurance companies offer cheaper deals for women. The market has also become increasingly full of companies set up to provide female car insurance cover only – these also promise cheaper quotes for women.

Older drivers can also benefit from cheaper deals. However, there are also some companies who raise premiums as drivers reach pensionable age and beyond. So it’s worth scouring the market for a suitable policy, especially if you are over 50.

Classic and performance car owners can get specific insurance to cover the heightened risks their motors might face. Premiums are likely to be much higher than for mainstream motors so it’s essential to go to a specialist insurer as they offer the best deals.

If you have points on your driving licence or a criminal record for a driving-related offence you will be hit with higher premiums. There is little you can do about this but the best advice is not to lie about your endorsements. If you fail to tell your insurer, it could invalidate your claim if you had an accident.