Car insurance has may have reduced by 9.8 per cent from last year to an average price of £736, but the costs are still extraordinarily high and for young people, the figure is far more shocking.

But will car insurance ever come down lower than it already is? Or will it simply keep rising? 

Edmund King, President of The AA, said: “Cars are becoming safer. They’re becoming more reliable. Their crash worthiness is better. If we can also improve the drivers through better training, if we can improve the roads by better road design, if all those things are done, technically, insurance should come down because there should be fewer collisions, less serious collisions, less life-threatening collisions. But who knows with insurance? It always seems to go up.”

Mr King said there are a number of anomalies with car insurance. “Women traditionally and currently are our safest drivers,” he explained. “They have fewer collisions per mile travelled and yet because of a European ruling, insurance companies are not allowed to discriminate in favour of women. One way around it though, is pay-as-you-drive insurance because that is based on your actual driving. So if you drive more safety and you don’t speed and don’t accelerate harshly, your premiums will come down. So female drivers, in particular who do tend to be safer could actually benefit from pay-as-you-go insurance.”

Asked if pay-as-you-drive insurance could actually end up costing the driver more than ordinary insurance, Mr King said: “Well, pay-as-you-drive is just that. It’s based on how you drive so if you are a drive that takes risks and do speed and do have collisions, it will put up your premiums. 

“But then, ordinary insurance goes up if you have a collision because you lose your no claims bonus. So the best way to keep your insurance down is to do further driver training, be safer on the road and try to avoid having collisions in most places.”

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