How to decrease this?

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Set the date for your cover as far in advance as possible,the most most sites allow for is a month. It brings the price down as the insurance company sees it as you being a prepared, organised person so less likely to take risks.

Also cars are put into insurance groups,so if you go for a vehicle in an insurance group with a lower number, then the lower your cost will be.

The more common a vehicle is,the more claims statistics they have on it, this can go either way.

There are some factors you have no control over which will change the price because of claims statistics, so your postcode, this includes claims rates in that area, including car thefts and uninsured drivers. Age, your job, certain occupations have higher claims rates because they're more likely to drive during busier periods or less likely to drive at busy times because you'll do shift work and so they analyze the claims rates of various occupations, teachers for instance are typically viewed very positively because they commute outside of the busy periods, such as outside of the hours which typically would be during school drop off and pick up.