What things affect how much I pay for car insurance?

Several factors influence your car insurance premium:

• Your age and driving experience: Younger and less experienced drivers generally pay more. 
• Your car's make, model, and age: More expensive and newer cars cost more to insure. 
• Your driving history: Any past accidents or claims will increase your premium.
• Your No-Claim Discount (NCD): This is a discount you earn for each year you don't make a claim. More on here.
• Your coverage and add-ons: The more comprehensive your coverage and the more add-ons you choose, the higher your premium will be

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