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any tips for cheaper insurance

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i'm 23 now and my insurance is now dearer than when i was 17 with a ford fiesta,


what caused it is i got hit in march and the noob of a driver is saying its my fault so my insurance is gone up as hes trying to claim off me, but its gone up 2 grand, i aint getting rid of car, i just want to get a cheaper quote as this is preventing me doing more stuff to the car at £318 a month its scamming,


i live in a bad area but still it shouldent be this high, its a mondeo ghia not a bleeding bently, i can insure a focus rs for 5 grand fully comp

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