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If you have had previous experience, being a named driver on someone else's or a company car, this will reduce your insurance premiums.
Having driving qualifications shows the insurer you are a responsible driver, and some insurers will value this by lowering your premiums.
Having a higher voluntary excess usually lowers your insurance premiums.
Being a homeowner can sometimes reduce your premium
Some insurers will offer a discount to your premium if a tracker is fitted to your vehicle.
Having one motoring conviction on your record can bump up the price by around 5%, and having 2 could jump the price up by 20%. Mobile Phone convictions can also be very costly on insurance premiums.