Just passed your test? First off congratulations you finally did it after all that hard work behind the wheel learning to drive with your driving instructor, family member or friends.

Now for the serious stuff; car insurance. Car insurance can feel like the premiums are plucked out of thin air but there is multiple factors that can affect your premiums.

What affects your car insurance premiums?


17-25 is the most expensive age for premiums as they are statistically more likely to get involved in an accident. Not fair right?! Look no further than a black box ( telematics ) insurance. A year of having the black box will reduce your premiums as it tells insurers you are safer than the statistics suggest. the positives though of having insurance from 17 is the older you get the less you will have to pay in premiums woohoo to getting older I say.


The job you have doing right now can affect your premiums as insurers will use that information to say when you are likely to drive the car. For example, hospitality means driving late at night. Where if you’re  in car sales this may mean they assume you’ll drive through the day and late afternoon.

Your job title will have an impact on how much you pay for insurance and you should never lie, but if you make adjustments to your job title you might get a cheaper premium.  Check out this site for help with it: MSE Car Insurance Job Picker


Insurance companies look at the area you live in as one of the most important factors when deciding the cost of your car insurance premium. This is down to reasons, such as: Local Crime Rates: Insurance companies assess the crimes relating to car theft, fire and vandalism.

A locked garage is the perfect place to store your car overnight as it’s locked away and will be harder to be stolen without being heard or detected. Therefore criminals are less likely to try stealing your car.

Your drive way is another good option if you don’t have a garage as you can keep an eye on your car from the window of your living room or kitchen.


Adding an extra driver to your policy can reduce your policy by 100’s of pound or even 1000’s. You who has just passed their test is considered high risk so adding someone who is a ‘lower risk’ will bring your premiums down. It also tells insurers you won’t always be on the road in that car as it is shared with someone else.

How the Vehicle affects car insurance premiums?

The make & model

This simple information will help an insurer decide how much of a risk your car could be. For example, certain cars are frequently targeted by thieves so these particular vehicles would increase your insurance premium. So the coolest looking car may not be the best option for your first car.


If you have a car with more horsepower, you may be more likely to speed or engage in other risky driving maneuvers, which means potentially higher premiums.


The more miles you do on the road means you are at more risk of being on the road and likely to have a accident. When filling out mileage information use a calculator to work out the annual milage you will be doing. No point putting 10000 miles if you only do 8000. If you live around the corner from work you do less miles than someone who lives 20 miles away from work. Same as if you work as a delivery driver you will be on the road more than a sales assistant.


It probably won’t be a surprise to learn that you will have to pay more for an Audi A6 than a Citroen C1.

Vehicles that are placed in lower groups are cheaper to insure on an annual basis, while those placed in the higher groups will cost more.

There are 50 different car insurance groups, with Group 1 being the cheapest to insure and Group 50 being the most expensive. Usually, cars in the higher groups are the high performance models and are more expensive to repair. 

Some group 1 cars:

  • Hyundai i10
  • Kia Picanto
  • Citroen C1
  • Vauxhall Corsa
Vehicles PB Cars often have in stock

What the car is used for:

Social, Domestic and Pleasure (SDP)

SDP is when you use your car for everyday social driving, like visiting friends, doing the school run or shopping.

Social, Domestic, Pleasure and Commuting (SDP+C)

This class covers the same as SDP but includes journeys to and from work. It also includes driving to and from the train station and leaving your car there to take the train to work, and even driving someone else to work.

Just be aware that, typically, only one place of work is covered. If you travel to a number of places for work, it’s likely you’ll need the next level of cover.

Anything else?


The cheapest time to start searching for car insurance is about 23 days before you need the policy to start.


Breakdown cover: Provides you with help in the event that your car breaks down. It may be cheaper to get this as a separate policy and not bundled into your main insurance.

Key cover: Covers the cost of replacing lost or stolen keys. Sometimes included with breakdown cover.

Courtesy car cover: Provides a temporary replacement car if you’re in an accident and need to get your own car fixed.

Legal costs cover: Covers you if you’re in an accident that wasn’t your fault and you decide to pursue legal action.

A lot of this information may seem obvious to some people but we hope it helps those who are finding car insurance a stress.