Model 
Reduce your risk, reduce your cost
Every application for car insurance is different. Each insurer’s price depend on two things, first the underwriters assessment of your particular risk focus and then the pricing model which dictates what type of customers the insurer wants to attract.
Therefore by reducing an insurer’s perception of your risk you can reduce the price you’ll pay. There are of course many factors you either can’t change or can’t change easily … age, gender, where you live and driving history. Yet there are things you can have control over:
Park and drive carefully
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