What should determine your car insurance?

[James]

To be quite honest, I kind of am glad and sad that insurance prices are so high. I think its an alright deterrant for people who are pretty bad behind the wheel and people who are out there to impress and rag around a corsa 'for t3h lulz' and yeah, it is about making money also. Im using a scooter to obtain as many years as I can under no claims. So I can then obviously transfer that to a vehicle once I pass and buy one. Which I see happening after im 22 (currently 20, 21 in may).


Wouldnt you also have to factor in the chance they are an uninsured driver and with the current statistics ? It sort of seems you might end up hitting one just as much as someone who has insurance these days.. which will cost more right ?