As a new driver, you are more likely to have an accident in the first year after passing your test than later on in your driving career.

Drivers under 25 years of age tend to fall into a statistically 'high risk' category which means that the people those who are into this age groups are highly prone to make expensive claims on their insurance than any other age group.

Drivers under 21 are involved in 15% of all accident deaths.

Car insurance premiums are calculated depending on the possibility of the driver being involved in an accident and the cost of the claim if that happened.

If you are a young driver, there are several things you need to consider while buying insurance.

• Look for companies who specialise in providing insurance for younger drivers; they can offer you better quote.
• Shop around; compare quotes from several insurance providers.
• Check online deals. Online deals are direct deals without middle man and hence you may be able to get better quote.

• Insurance premium may differ on the selection of a car by a young driver.

  When you buy your first car, think about a smaller model with no modifications to help bring down insurance costs. Expensive cars cost more to insure.

  Cars with larger engines are much more expensive to insure than those with smaller engines which are more likely to be suitable for a learner driver.

• Go for advance driving courses like Pass Plus. Pass Plus courses help learner drivers to improve their driving skills on all sorts of road and traffic condition and hence they are less likely to get involved in accidents.

  Many insurance companies provide better quote for Pass plus drivers.

• If you can't afford fully comprehensive insurance (type of car insurance that will cover both your car and other vehicles -(hence expensive), you can go for third party, fire and theft insurance which will cover the costs incurred by other drivers if you have an accident or the theft of your own car, or damage caused by fire.

• Check if you can add additional driver on your insurance cover.
• If your car is parked is secure garage, or if you will not be driving it regularly or long distances let the company know.
• It is cheaper to pay your car insurance in one lump sum rather than in monthly instalments. Most car insurance companies charge interest of around 15% APR (some up to 30%) to allow you to pay your premium in monthly instalments.