And if you told them you parked the car on the street you`d probably find the quote would be even cheaper. When I queried this with one company, as to why they would charge me less for leaving my car on the street, rather than in a locked secure brick garage, with a rottweiler wandering about, with 3 cars blocking the garage door, all behind secure steel gates, they simply said that if the cars on the street then people are more likely to see/disturb a car thief. If the cars in a garage, then once the thief is inside he can spend as long as he wants damaging/hotwiring the car. To my mind, surely "out of sight, out of mind" should come in here. If the cars in a garage then any passing thief wont even know its there and just move on to someone elses car which they have left on their drive. But, thats not how insurance companies work.
Agree thats what i was told too. Also many accidents happen while getting the car into / out of the garage so garage quotes often end up higher