[simcup]

interesting, in germany model of the car, the expirience (age) of the driver and the years of not having your insurance cover something [1] play heavily into the amount of premiums you are paying. also who is "covered"[2] by that insurance and the km you drive in a year are considered.

[1] trivia: because of this sometimes people cover damages, even realtivly high ones, out of pocket because it saves them money in the long run. [2] you say who (only you or more people) is driving the car and in practice the relevant fact is if one of the drivers using the car is under 25 and/or is still in "Probezeit" (?trial period?)