I’ve come from the states 5 years since I’ve done my test 33 no faults... it’s half the price if I add the mrs as a second driver yet still expensive.. how do you even work that out haha
Adding your Spouse immediately gives you what insurers call a lifestyle discount - i.e you're more settled not just a bloke hurtling around stop and go scenario - It's been like that fro years - Now I'm not saying it changes anything but unfortunately insurers have access to all the stats and it must show something.
At the end of the day insurance can be expensive but look at the price of the car - You write off a near £40,000 car in the first year and you get a new car
Please watch out for the cheap insurers - Restricted windscreen cover, high excesses etc
You are driving around in a nice/expensive vehicle - don't then try and insure on the cheap