Car insurance for new or young drivers can be expensive enough, but with reason. Moneysupermarket.com says: “There are several reasons why younger drivers pay more for their car insurance.

 These include:

• Drivers are statistically more likely to have an accident in the first two years after passing their test than at any other time. One in five drivers will have an accident in their first year on the road.
  
  
• A third of fatalities on UK roads are caused by young drivers aged 17 to 25.
  
  
• Young drivers also experience more theft, fire and vandalism to their vehicles, which leads to claims on their car insurance.

• Young drivers are more likely to be ferrying around a car full of friends and therefore face a much greater risk of being involved in an accident than someone who just uses their car to nip out to the shops mid-afternoon.”
  

It might feel like the odds are stacked against you somewhat, but by following a few of the below tips, you can save a packet on your young drivers insurance.

Buy a Low Powered Car
Unfortunately, engine size is one of the biggest factors when it comes to the cost of your premium – no matter what your age, a car with a smaller engine will always be cheaper to insure than a big one. Look for cars in as low an insurance group as possible in order to get the cheapest policy.

Take a Pass Plus Course
This course is designed to teach recently passed drivers a few advanced driving techniques that will make them better and safer drivers. Many companies offer cheaper car insurance for new drivers who have completed a pass plus course, up to 35% in some cases. There isn’t a test at the end of the course and it takes only six hours to complete, so for those sorts of savings it’s a bargain!

Try a Multi-Car Policy 
If you still live with your parents, it may be worth contacting their insurance companies – some companies offer heavy discounts on multiple cars in the same household, providing the cheap car insurance many new drivers want and need.

Policies with Restrictions
Some policies offer cheaper premiums at the expense of adding certain restrictions to them – not driving within certain hours of the night, for example, or paying on a ‘per mile’ basis. Obviously, these may not be of use to everyone, but if you do not use your car at night or only travel short distances, policies like these can save you a great deal of money.

Consider Your Excess
The higher your excess, the cheaper your insurance will be – this is true of all policies, regardless of whether you are a new driver or not. However, you must consider whether you can afford to pay this should you have an accident – could you afford to pay a £600 excess after a nasty accident?

Keep it Stock
It’s another sad truth, but induction kits, spoilers, flared arches and the rest all add to your insurance premium – anything that adds value, performance or desirability to the vehicle is likely to make that cheap car insurance quote more expensive, although different insurers treat modifications differently.

Add a Named Driver
Adding an older and more experienced driver to your policy can decrease your premium quite substantially – this is often one of the best options for cheap car insurance for new drivers. Do not be tempted to put yourself as a named driver on another person’s policy if you are the main user though; this is called ‘fronting’ and could result in the younger driver being convicted of fraud.

Of course, you should always shop around – Moneysupermarket.com compare a huge number of insurance providers, and can help you find the best possible deal for you quickly and easily.