The quote system asks if your car has anything added to it, like roof racks, spoilers, tow bar, body kit. You go "Oh yeah, a tow bar" thinking crap this will cost extra and their backend correlation engine figures "tow bar, probably caravan trailer, old boring safe driver, low risk" and you get a discount.
The UK government gave insurers direct electronic access to driving license records. If you tell them your details they can instantly check if you've got points, or have been disqualified from driving. Insurers ask for your license details. To use the government database right? Nope, that's a bunch of expensive R&D, if you make it optional, people with bad records just say they don't know their license number, charge them more. Simple, no extra R&D needed.