What should determine your car insurance?

[[TC] Stephen]

I don't know about anyone else, but I'm an under 25 year old driver that pays around $1500 a year for a 2l turbo wrx

(I have a 55% NCB from 4-6 years of crash and point less driving, living in a reasonable area)

Also I'm already a 'class 1 driver' (best) and got a gold license straight after i passed my provisional driving test, usually you get silver then work up to gold after a few years of good driving. Gold means you can get up to 14 points instead of the usual 12 afaik, might make the cops more lenient as well.