While there are ways you can reduce the cost of your car insurance, unfortunately there are some factors insurers consider that you won’t have much control over: Your age: You’ll generally pay more for car insurance if you’re a young driver, owing to a lack of experience on the road that makes you a higher claim riskYour driving history: If you’re got a history of accidents, claims or convictions, this also gives you a higher risk profile – so your insurance costs will likely be higher than averageYour location: Some areas in the UK are more prone to car theft or vandalism, or have a higher rate of road accidents – the increased risk means higher premiums for those who live or work in these areas Your occupation: Some jobs also carry different risks to others, whether it’s because of equipment, location or commuting, so insurers also take this into account when setting premiumsAnnual mileage: The more you drive, the more of a risk you are to insurers of getting into an accident therefore, the higher mileage can mean higher premium costs