It’s a fact of life that when you’re young you don’t always make the most sensible decisions. However, it would wise to ignore the urge to buy the fastest car that your resources allow and instead buy a car with a small engine which falls into the lowest insurance category. You can always upgrade when you are a little older and fall into a lower risk insurance group.

Being added to your parent’s insurance policy may seem like a good option but in order to start building up your no claims bonus it is vital to get your own policy as soon as you can. Once you have your own policy try not to make any claims on it unless absolutely necessary, losing your no claims bonus will have a dramatic effect on your future premiums.

The Pass Plus scheme enables young drivers who have already passed their test to receive lessons in specific aspects of driving such as night driving, motorway driving and driving in town. Participation in this scheme earns you a certificate which can be used to get up to 35% off your car insurance premiums so is definitely worth considering.

Some newly passed drivers think they can trick insurance companies into giving them cheaper premiums by putting the insurance in their parents’ name and then putting yourself as the named driver. This is called ‘fronting’ and could result in a claim not being paid and you could even be charged with driving without insurance.

Most insurers will give you a discount on your premium by accepting a larger voluntary excess or in other words the amount that you pay out of your own pocket in the event of a claim. Just changing from a £50 voluntary excess to a £100 one can make a big difference.

Finally, using a price comparison website is the quickest and easiest way to compare quotes from hundreds of different companies at the same time to get a cheap cheap car insurance quote. Many of them also have very good advice guides to help you get the very best quote.