Car insurance

[Sherbertlollipop871]

I’m a fairly new driver so I don’t understand how it works as such, but my first car insurance was only £30 per month. I kept that car for 2 years and gained 2 years no claim, I then bought another car which cost £51 per month car insurance. Unfortunately the car has hidden problems so after 6 weeks I am looking at replacing it, but regardless of the car I am quoting for the prices are now extortionate.
I have never claimed on insurance, had any points, fines or accidents so I’m unsure why it is now asking triple my first quote as a brand new driver at the time.
The cars are older models than my first car and generally nothing special! Not living in a high crime area or anything either.
Is it just a case of bad luck/ price of living going up or is there something I can do it bring the price down? I need to drive for my job but on a very low wage I can’t afford to pay more insurance than I currently do. TIA

Using it for work will up the premium.

Have you tried Go Compare?

Are you running through a new quote or just asking your existing insurer for the price difference ?

could be that they either think you have bashed the other one (and hiding it ) or the age of the car you are thinking of buying
are you going through all the compare sites ?
i have recently paid for mine and i thought it was good as it had only gone up £1-50 did a comparison and it was a bit cheaper , rang them and went through it and got £40 off original renewal
try ringing your original insurer and ask them for a quote

As a new driver with only a couple of year NCB I think your early prices where very lucky!

Look at a few comparison sites. The new thing where they can’t offer better prices for new customers will probably have a negative knock on all around too

There are numerous different insurance "groups" for cars, depending upon the engine size, costs of parts, known issues, etc. Sometimes it's quite surprising that similar looking cars (re size etc) have very different insurance groups. Try to find what insurance group your car is in, and compare it with the insurance groups of previous cars - I suspect you will find that your current/new car is in a higher group bracket, hence the higher insurance cost.

Putting a spouse, with a clean licence on the insurance often brings the quote down. Offering to pay a higher excess ( what you pay if you make a claim) will also reduce the premium.

Thank you all

You can add a parent - they don’t need to drive the car but it helps, as does a speed limiter and a dash cam and decent alarm system

Older cars are harder to source parts - newer cars are cheaper to repair.

Also if your old quote was pre January this year, and new after, the laws around insurance offers changed 1st Jan which will have likely pushed prices up across the board.