Insurance is based on a number of factors.
Your 1998 BMW will probably be seen as more 'attractive' to the light-fingered car theiving scum......

Something I found out recently that shocked me is that insurance companies dont actually make any money out of 'insurance'.......
The insurance companies are basically using the income from premiums to play the stock market and have made huge losses during the recession.

The reason premiums for car insurance have rocketed so much above inflation is nothing to do with your actions and more to do with insurance companies wanting to claw back their losses quickly.

It not just car insurance either, its house insurance too thats rising too

they are theiving bar-stewards the lot of them