Here are a few tips. Think about:
Penalty points and speeding fines could result in a higher premium, so drive carefully. Also remember that if you get six or more penalty points in your first two years of driving, your licence will be cancelled.
You could consider a Pass Plus driving qualification, which may help lower your premium by showing your competence as a safe and skilled driver.
The type of car you own, and its value
The value of your car, and even the model, can affect your insurance. If your first car is a new, high-powered or luxury vehicle, your premium will most likely be higher. While a more basic model with a smaller engine might not be what you want, it could save you money in the beginning.
Fitting an alarm or immobiliser reduces the risk of your car being stolen, so this could help lower your premium.
From an insurance point of view, popular modifications such as a new spoiler or stereo system put your car at a higher risk of being stolen. Some insurance providers may refuse to insure cars with modifications, while those that will might charge a significantly higher premium.
Limiting your mileage
Limiting the amount of time you’re on the road will reduce your risk of having an accident, and could help lower your premium. Your insurance provider will want to know your annual mileage, so try to keep it as low as possible. Make sure your mileage is accurate though, as a false mileage count could invalidate your policy.
If you can afford to, it’s a good idea to pay your yearly insurance in one go. Monthly instalments could end up costing more because of interest.
Shop around, sooner rather than later
If your car insurance is up for renewal, the best time to look at switching your car insurance to another provider is three weeks before your policy end date.