How does your car insurance measure up?

The table reflects one consultant's estimate of insurance premiums for selected types of motorist. It is not a ``best buy'' recommendation, but an indication of what the market will charge for different risks, so that individuals can assess their current policies. If yours seems out of line, Motor Advice could help. All quotes are for comprehensive cover.

Type of car insured

Small economy Small/medium Family model Large family Executive model model model saloon

Male age 23 (2 years no claims bonus)

Low risk area 194.00 273.00 379.00 463.00 670.00

Medium risk area 232.00 331.00 421.00 522.00 754.00

High risk area 298.00 438.00 601.00 863.00 1250.00

Female age 23 (2 years no claims bonus)

Low risk area 169.00 247.00 332.00 412.00 506.00

Medium risk area 204.00 286.00 375.00 464.00 671.00

High risk area 272.00 402.00 553.00 799.00 1133.00

Driver age 30 (max no claims discount)

Low risk area 101.00 132.00 177.00 230.00 304.00

Medium risk area 114.00 151.00 212.00 276.00 363.00

High risk area 171.00 219.00 307.00 345.00 498.00

Driver age 40 (max no claims discount)

Low risk area 93.00 108.00 123.00 193.00 242.00

Medium risk area 98.00 124.00 159.00 233.00 334.00

High risk area 152.00 181.00 252.00 302.00 374.00

Driver age 55 (max no claims discount)

Low risk area 88.00 93.00 103.00 140.00 184.00

Medium risk area 97.00 100.00 133.00 199.00 249.00

High risk area 123.00 142.00 198.00 233.00 338.00

Driver age 70 (max no claims discount)

Low risk area 88.00 98.00 115.00 172.00 184.00

Medium risk area 102.00 115.00 156.00 234.00 263.00

High risk area 152.00 165.00 219.00 293.00 376.00

Illustrative quotes for driver aged 55, 4 years no claims discount, living in Stockport

Small car (Renault Clio) Executive car (Mazda 626 2.5i GT)

Best quote: Preferred Direct 118.05 Best quote: Royal Direct 289.50

2nd: Churchill 135.30 2nd: Sun Alliance 301.25

3rd: Equity Red Star 144.00 3rd: Landmark 326.00

4th: Cornhill 150.94 4th: Guardian* 335.69

Best broker's quote 144.00 Best broker's quote 423.16

Worst direct quote 257.00 Worst direct quote 601.68

* protected bonus

Source: Motor Advice, tel: (0897 664422). Calls are charged at £1.50 a minute and should not exceed four minutes.

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