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We don’t know your driving history to date, but £400 a month on insurance is insane, considering cost of fuel and running costs as it is. Unfortunately males under 25 are deemed high risk, and of course the area where car is left overnight and your job will also have impact. Use some of the insurance comparison sites, on a standard 1 litre car for example and see what comes back price wise. You can also add telemetric box, which means you need to drive within speed limit at all times and even when you drive. Additional advanced driving qualification may help, but ultimately you need to be over 25 with no claims to start bringing it down.

Hello Dillon, So that is £4,800/pa, add to that, the car’s depreciation over that year, and you really are into bonkers territory! I am ignoring any finance you may be paying, together with the annual road tax, and obviously the actual running costs of the car. Sorry to put it bluntly, but you are in extreme danger of running yourself into an economic disaster - unless your earnings are exceptionally high,or you are ‘of some means’. As Cliff says - assuming you have checked all comparison sites - you will need to seriously research vehicles with low insurance groupings, and cut your cloth to suit those vehicles. Really sorry to say it as I see it, but it’s madness to have to spend a significant amount of amount of your working time to ‘feed your current situation’. Regards, Gareth.

Was the reply of any help to you Steve, or did I waste my time writing it?