insurance is local/call local companies in your area
There's no substitute for shopping around - bear the following in mind;
Your insurance quote is based on several factors, some you can influence, others you cant;
Age - Age is a big factor when it comes to car insurance. Younger drivers are more at risk of having an accident and needing to make a claim than older drivers who have more experience in driving.
Where you live - Car insurance companies having a "post code rating" system where they can rate the area that a person lives from A to F. "A" being a good low risk crime area and an "F" being a high risk crime area.
Those living in an "A" rated post code area are likely to receive a lower car insurance quote than those living in an "F" rated post code area. This is the single biggest factor in premiums, so if, for example, you split your time genuinely between two parents, or you have a choice of two addresses, try quoting at both. However, you MUST genuinely reside where you say you do.
Where Vehicle is Kept - Where a vehicle is kept/stored is another important factor. A car kept parked on a road that is then free for passers by to easily look into is at more risk than a car parked on a private driveway. A car parked in a garage is likely to be the most secure as it is then out of sight and also locked away making it harder for anyone to risk trying to steal it.
No Claims Bonus (NCB) - Drivers who have built up NCB can usually expect a reduction in their car insurance quote. NCB can be built up and are designed to reward good/careful drivers who do not make a claim on their insurance. The more NCB that a driver has the lower their car insurance premium is likely to be as the car insurance company rewards them for being a careful driver who do not cost the car insurance company money. You are a new driver, so you obviously can't do anything about this.
Previous accidents - If you have a history of making claims on your car insurance your premium is going to go up as you are likely to be "high risk" to the car insurance company. You will have to pay more for your car insurance as the car insurance company are taking more of a risk if you have a history or having to make claims for car accidents.
Other drivers - adding other, relevant drivers with a good driving history will reduce your premium, sometimes by a very significant amount. Try parents, grandparents or siblings if they may have cause to drive your car.
Type of Cover - There are 3 different types of car insurance cover.
Fully Comprehensive which provides cover for both an third parties involved in an accident and also yourself if the accident was your fault.
Third Party, Fire & Theft insurance offers protection only for third parties if you are the cause of the accident, it also pays out if your car is stolen or has a fire.
Third Party only insurance covers only any third parties if you are the cause of an accident and you will not be able to claim anything for your own car.
Whereas third party was once much cheaper than fully comprehensive, you'll now find that comprehensive is cheaper in 99% of cases: Insurance quotes are based on data, and statistically those who opt for lower levels of cover are more likely to claim.
Vehicles Insurance Group: There are so many different vehicles out there offering so much choice in popularity/speed/cost each vehicle has an insurance group rating.
Smaller engined, lower cost cars such a a 1litre Fiesta will have a lower group insurance than faster more expensive car such as a Ferrari.
Cars are also assessed for risk by other factors: Repair costs, safety, security, emissions and a general 'profile' of the type of cars insured by high risk drivers usually means that anything like the Ford Ka, Vauxhall Corsa, Citroen Saxo, Renault Clio, etc. (usually favoured by young drivers) will be disproportionately expensive to insure compared to cars favoured by more mature drivers.
Likewise, cheaper, older cars are seen to be at higher risk, so it doesn't follow that a £500 car will be cheaper to insure than a £5,000 car. Insurance only goes up in relation to very high value cars.
Excess: Insurance policies usually carry both a compulsory & voluntary excess - amounts you pay in the event of a claim against your policy. Electing for a higher voluntary excess may reduce your premium, but don't fall for a policy that will cost you hundreds of pounds on top of your premium in the event of a claim.
Mileage: Specify the correct estimated annual mileage - obviously, the fewer miles you drive, the less risk you are & the lower your premium will be.
Occupation: Doesn't usually make a difference, but some occupations & students will pay higher premiums.