How can new drivers reduce their insurance premiums?
Being a named, additional driver
This isn't the best strategy to take longer-term, however, because few insurance providers allow you to build up no-claims discounts if you're not the main driver. Under the 'no-claims' system, insurers add together all the years you've been driving without making a claim, and then they calculate a percentage of your premium to work out the no-claims discount they are willing to offer you – sometimes reducing your annual premium by a significant amount.
Equally, while all new drivers are keen to find the cheapest car insurance they can, it is illegal to allow someone else to 'pretend' to be the main driver of a car being insured if in reality it is you that is driving it the majority of the time. This is called 'Fronting' and, if you're found out, not only could the insurance company refuse to pay out for a claim, but you could also end up getting prosecuted and struggling to secure car insurance in the future.