The total distance the insured accumulates every year is accounted for when forming a quotation for drivers.
Car security and where it is located at night is taken into account when
calculating a quotation.
Its a good thought to check out multiple underwriters in order to find the best value quote as it will likely vary from insurer to insurer.
If the driver is ever unlucky enough to be hit by someone make sure you switch over
personal info with the other driver including car make, phone numbers, and vehicle info.
Another type of insurance is GAP whereby the insurance firm will stump up
the market value of the car if it is unfixable or thieved.