Insurance depends on so many different factors, you need to be honest with it but there are ways to make it cheaper Have you tried adding a parent as a named driver? If you have access to another vehicle on a regular basis declare it. Take a look at the way you have noted down your occupation, sometimes your job title phrased differently can make it cheaper. Most importantly play the companies against each other, do some comparison sites/ringing round and get the best price you can then call other companies and see if they can beat it.