Another specialist area for car insurance is for high performance cars. The cost of insuring a Ferrari for example may cost you several thousand pounds a year.
If you fall into such a category, then typically specialist insurers normally work out to offer the lowest premiums. Also, because the type of insurance is not as common, you are normally best to phone them rather than try to get a quote online.
Specialist insurers will normally have links established with various garages and suppliers who deal with your type of car.
There are several reasons why such cars are more expensive to insure, firstly, they are generally driven faster, therefore if they were in an accident, there is likely to be more damage. Also, if they are driven faster, there can be a higher chance of the car being involved in an accident. Another reason is that the parts can be considerably more expensive than a similar part for a standard car.