What should determine your car insurance?

[Vee]

Only been driving 3 years, but so far have paid £6400 in total for the pleasure of being insured for that time

The only reason they "discriminate" against younger drivers is because statistically they're more likely to crash, through either recklessness or simply inexperience. That's how it will always be, because it would be nigh on impossible to give individual quotes to individual people, unless like Brad mentions they use the boxes that monitor your driving, be it your speed, or time of day when you're actually driving.. This is why the typical first cars such as Corsas and Saxo's are actually quite dear to insure in comparison, as more of them get crashed by younger drivers.

My insurance now is actually cheap enough compared to everyone else's for me to not really care though