Celebrities have it easy, right? They get the best seats in restaurants, they can walk to the front of most queues and they can grab just about anything for free as long as they’re willing to shake someone’s hand and smile for a photograph.Yet celebrities will not find car insurance companies quite so forthcoming. According to research from elephant.co.uk, cheap car insurance is not readily available to the rich and famous. Indeed, most celebrities would actually pay less if they had stuck to their day jobs.For example, 26-year-old Bermondsey native Jade Goody may have gone out of her way to achieve celebrity status through the television series Big Brother, but she’ll be paying for her efforts now. The insurer’s research suggests that she would have paid 22 per cent less on car insurance premiums in her standard profession as a dental nurse.Spare a thought for Alex Curran too. The newspaper columnist may have shot into the limelight when she married Liverpool and England footballer Steven Gerrard, but her car insurance premiums could rise just for having him as a passenger. Indeed, footballers pay higher car insurance premiums than any other professionals.So what justifies celebrities paying more?Insurers base premiums on a number of risk factors. The jobs we do are one aspect taken into the equation as they effect the time we spend on the road and the speeds we’re likely to undertake. Indeed higher-paid professionals also tend to drive faster cars – and larger engines invariably result in larger premiums.It’s unlikely that too many of us will be sympathetic that celebrities don’t enjoy cheap car insurance. However, it should motivate motorists to make every advantage count and shop around for the best car insurance deals.