The premium you pay is based on a multitude of factors, as listed elsewhere. An insurance company works out how likely you are to make a claim, based on the questions they ask you; if you're statistically a high risk, you'll be clobbered.

While you can't change your age (and don't even consider lying, or you won't be covered in the event of a claim), there are other ways you can cut the cost of your insurance. These are the key ones:

• Shop around to get the best price and deal.
  
• Try to price match, playing off one insurer against another.
  
• Leave your car standard; insurers don't like big stereos, spoilers and flash wheels.
  
• Don't claim for small things; you need to build up a no-claims bonus.
  
• Consider a larger excess.
  
• Women usually attract lower premiums than men, but if you're male you'll just have to cough up the extra…
  
• Fit a security system of some sort - and make sure you use it.
  
• Keep the car garaged, rather than on the street.
  
• Opt for a limited mileage policy if you're able to and keep your mileage down.
  
• Use a specialist insurance company if you drive something unusual such as a kit or classic car.
  

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