To cut down the premium on your car insurance you can install anti theft devices approved by the insurance and don’t leave your car overnight in the drive, park it in the garage.

For older cars you can opt for Third Party Fire and Theft insurances. If your driver is young (below 25) then you will be charged high premium. Your driver should have an extra driving course certificate.

Take the help of an insurance broker to choose the right kind of insurance. There are student concessions available. If you can build and protect a “no claim” bonus it will have good impact on your insurance rate.