michelleleemoo:
I dont mean to be rude but I really do not get these threads, insurance is about as individual as you can get so no matter what anyone else replies it wont apply to you, best bet is to follow Martin Lewis' advive on MSE and then go through Quidco, that way you will get the best deal for you.
Yes it's all about individual circumstances.
One bit of advice though. If you are going to insure more than one car go for the Admiral multi car insurance. I guaruntee no insurance company will be lower for 2 cars even on your individual circumstances.