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WOW!!
im 23 i drive a citroen c2 GT 1.6
got my dad on there 10+ NCB an my girlfriend (21 3 years NCB) both named drivers
im the main driver 2 years NCB, insured in south london (croydon)
£443 fully comp with break down cover.
As others have said, try other cars such as the undesirable Micra, also go big and try some quotes for a big old estate car like a Mondeo. You could also try a small van, traditionally commercial insurance is more expensive but as a young driver, the quote could go the right way. One I would not advice is the classic car route, yes you may save some cash but you will regret it (or possibly not) when you have the accident you are statistically 50% likely to have in the first year!
Last tip I heard was to try different job titles, this can make a big difference. I'm not saying lie, but if you could reasonably give your job a different title give it a go. Try putting your age as 18 and see if it is worth holding off a year.
Oh, and the obvious one, put your voluntary excess as high as you can as this makes a claim from yourself less likely.
Taka - So they're legal as long as they're limited to 33bhp? Will have a look at that cheers! 😮
You are approaching your insurance quote from the wrong direction.
You may have been given the Pug but it is still an insurance group 7 car.
Find the lowest insurance group car that you can.Many places on the net have tables of the group applied to each model of car-the group is not just dependant on engine size. AA has this information
Volunteer for driving restrictions eg night driving, limited mileage.
Advanced driving test can give you 10% off with some insurers.
BBC Radio 4 had a lot of good information for gaining a good quote as a young driver on the website.
Try very hard not to "fib" on you insurance quote. If you need to claim many reasons can be used to invalidate your cover.
Dependant on where you live a quote of around £1000 to £2000 should be possible.
Changing anything other than your postcode will make little difference.
JuJuuk68's summary is correct and combined with the insurers inability to cover premium to cost deficits in the markets results in the premiums taka is quoted.
The only way to get it substantially cheaper would be if you find some one incorrectly rating the risk.
Its not really the insurers fault they merely do the sums, politicians make the choices that shape society.
Get a bike for a year or two, it'll keep you fit!