Where you live - Not a lot you can do about this but in some areas of the UK you are twice as likely to have your car stolen. In London you are 50% more likely to be involved in an accident - Your premium will reflect where you lice.Pass Plus - If you have just passed your test, seriously consider pass plus. This will give you discounts of up to 20% off your insurance premium. The course costs £120 so can be very effective at saving you money and improving your driving skills.Type of Cover - As a first time driver you will normally be restricted to third party fire and theft cover because of the costs involved. Consider third party only cover also.There are no shortcuts when insuring your first car but there is a silver lining to that horrible first premium. A safe years driving will result in a drop in your premium of around 50% in the following year. For all the information you need please get in touch with and quote Car Insurance Scotland lvb