Read Our Guide to Low Cost Motor Insurance and Discount Motor Insurance!

If you have a driving conviction or a poor claims history, protecting your no claims discount doesn't necessarily mean a low cost motor insurance quote. The number of drivers listed on the policy, their ages, genders, occupations, their driving records and accident claims histories will either adjust motor insurance premium quotes upwards or downwards, depending on the insurer.

Drivers involved in a high number of motor accidents and young drivers will often receive higher insurance quotes. Some motor insurance companies will not insure convicted drink drivers and those who do will increase the premium quote by as much as 100% and possibly reduce the level of cover.

Depending on the motor insurance company, ordinary motor convictions such as speeding offences can also increase the premium on your motor insurance quote. Minor speeding offences such as SP30's are now being ignored by some insurers as the result of the high numbers of speed cameras present on Britains roads.

Where you live is a very important factor in deciding how much your motor insurance quote will be. For example, residents living in cities with high crime rates can expect to pay more for their motor insurance because greater numbers of claims are recorded increasing the cost of claims for insurers.

If your motor car is kept on the drive or in the garage overnight this may help you find a low cost motor insurance quote.

Although obvious, the type of motor car you drive is a very important rating factor as far as motor insurance companies are concerned, so much so each model is given an insurance group rating between 1 and 20. Low number insurance group ratings generally means a discount motor insurance quote and therefore a cheaper premium.

In terms of motor car security it helps to reduce premiums and get the best motor insurance for you if the vehicle is fitted with an electric immobiliser or alarm system or tracking device as some motor insurance companies will provide generous discounts.

If you hold a clean driving licence and have not made a claim in the last five years, passing the Institute of Advance Driving Course may entitle you to additional discounts. Increasing your claims excess (the amount you automatically pay in the event of a claim) can sometimes reduce premiums. However, tread carefully, as you may have to find a large sum of money in the event of a claim.

The number of miles driven each year and the use your motor car is put to also counts as a rating factor. High annual mileage and using your motor car for commuting will inevitably increase your motor insurance quote.