In the UK insurance seems to be based on the following:
* Length of time driver has held a license.
* Driver's claims history.
* Driver's legal status (type/frequency of offenses).
* Driver's age.
* Driver's marital status (my friend who is married pays less than me).
* Geographic location of driver (I pay less than someone living in a city).
* Additional qualifications of driver (sometimes you get a discount for passing a test beyond the standard).
* Type of car (high-powered sport v. low-powered commute).
* Cost of spare parts (Honda owners suffer a bit from this).
* Claims history for that model.
* Where the car is kept overnight.
* Is the car stock or modified.
* How is the car used.
* Various other additions covering legal expenses and the fact that some sods don't bother with insurance.
I have heard that in the US insurance companies also support safety initiatives by wheighting premiums in favour of vehicles sporting certain enhancements. Apparently UK companies don't do that.
I am paying £196 including taxes for my Jazz. Last year I payed £356 for my 1.6L Civic. This is fully-comp for a 39 year old male living in the country with over 5 years no claims, a clean license and no offenses. By UK standards that's pretty cheap but getting married would probably reduce it by 10%. Then again there are the other expenses I'd incur by doing that
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