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Getting the best and cheapest car insurance can be a complicated business, even with the help of internet search engines and comparison sites. But if you've got a non-standard car or you don't fit in as a regular type of driver, the problems can be even more pronounced.

You hit your first challenge when you're a new and young driver because you're a bad risk. Figures prove you're in a group with an above average chance of making a claim so you'll have to accept the excessive premiums until you establish a track record. You can help by ditching the boy racer image and getting a car with a small engine, which will marginally improve matters. At the other end of the scale, once you're past retirement age, you suddenly become a bad risk again and your insurance premiums start to increase. If you're a woman driver, however, you are statistically safer than a man and should get lower premiums as a result.

The type of car you drive can significantly affect the cost of insurance, especially of it doesn't fit into a particular slot. Standard production line models are easy to price but, once you start modifying the vehicle, things get complicated and the premium can start to go up.

Classic cars are difficult to deal with for general insurers and so you'll need to find a specialist company to get adequate cover at a reasonable price. Kit cars fall into the same category and will require specialist motor insurance, as often do sports cars and high performance models. Similarly, imported cars that aren't built to European standards can attract huge insurance premiums and you'll need to shop around for the best deal.

If you use your car at least partly for business, the normal social, domestic and pleasure category of cover won't be enough. You'll need to ensure you've got the correct level of cover for the car, occupants and contents, although this won't necessarily cause an increase in premium. Similarly, if you're planning on taking your car abroad, ensure you have the correct cover before you go.

Having more than one car in the family can be an advantage. It might be possible to insure them all on one policy and this can attract a discount but you'll need to be sure this is right for you.