Some companies offer insurance at lower premiums for specific groups less likely to have an accident, like women, who make less claims. Your premium is almost alway calculated on a risk factor.
Making a claim will not automatically lose all your no claims bonus. Most insurers will relegate you only two years meaning if you had 5 years no claims then you would still have 3 years.
If you own a "classic car" you may be able to get cheap insurance if you only do limited mileage each year. Often many companies have special rates for thsi type of vehicle especially if it is not your main car.
