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The car does play a part also . I insure my wrx sti prodrive for £290 fully comp , that's me and the missus I'm 34 with 13 years ncd and she only pasted her test 3 year ago this year . Yet her 318 d m sport thats in her name for insurance but I'm named on her's is £350 fully comp with 4 year's ncd cause she insured a car when she was learning.
Postcode's also do it . I'm 4 streets away from my parent's house . If I use that postcode doing quote's the price's are around £60-80 cheaper .
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