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Most of these are factors that can easily be changed to reduce your premium, but as many require certain periods of time before being taken into consideration it's important to make the lifestyle changes as early as possible. Read more AdviceApplying to OxbridgeUCAS ClearingGuide to A level results dayApplyPersonal statement builderPersonal statement helpPersonal statements: by subjectStudying in the UKStudying abroadUniversityTalk Universities Find your uni and join the conversation. Reed Business Information Limited trading as XpertHR is an Appointed Representative of Abbey Protection Group Limited which is authorised and regulated by the Financial Conduct Authority.