Sports cars are more expensive to insure as the likelihood of these flashy cars getting stolen is higher. Moreover the parts of these cars may not be easily available, giving all the more reason for a higher car insurance premium for you. However having safety features and additional safety devices on the car gets you a lower car insurance premium. So by installing an alarm and anti-theft devices in your car, you will get a better car insurance policy. As women are considered to be safe drivers, married couples usually make applications for car insurance in the wife’s name.