Young drivers have always struggled to find cheap car insurance.

With insurance premiums rocketing sky-high as the number of genuine and fraudulent insurance claims increase, along with the downturn of the economy leaving more Brits finding new ways to cut back on costs, young drivers are left struggling even more to find cheaper car insurance.

And as more insurers opt out of providing even a car insurance quote to those under 21, young drivers are finding it almost impossible to find cheap car insurance as those providers who do offer insurance to the under 21s charge thousands of pounds for comprehensive cover.

This is because according to the road accident statistics, drivers aged 21 or under are more likely to be involved in an accident and are 10 times more likely to be killed or seriously injured compared to motorists aged over 35.

Furthermore, younger motorists tend to have more passengers in their vehicles, so the chances of multiple claims being filed for compensation are much higher.

As a result, in the event of an accident, the average claim for a young male driver would work out at £4,200 compared to £2,200 for all males.

Simon Douglas, director of AA Insurance recently proposed for insurance providers to do more to help young drivers who make an effort to improve their driving safety due to the increasing problems young motorists face when seeking insurance cover.

According to Ian Crowder, of the AA, "one obvious step is to go for a car that has a low insurance rating."

He advised young motorists to visit The Parker's website for "a list of cars that fall into Group 1 - the lowest and cheapest insurance category."

The Citroen C2, Fiat Panda, Ford KA and Vauxhall Corsa are just some of the vehicles which will cost less to insure.

Another way to reduce premiums is, according to Malcom Tarling, of the Association of British Insurers, to opt for third party, fire and theft.

He said: "With cheaper and older cars you may find that you can save additional money by opting for third party, fire and theft, rather than comprehensive cover.

Some older cars have a very modest write-off value, which may not be worth the much higher premiums that comprehensive cover would entail. Sometimes the annual premium for comprehensive cover can be several times the write-off value."

However, he added that "even third-party cover will be pretty expensive for this age group, as insurers are worried about the risk of them crashing and injuring someone else."

Furthermore, insurers such as Churchill, More Than and Aviva offer up to 35 per cent discount for those who have taken the Pass Plus course.

Young motorists should not attempt to put themselves down as a second driver on the vehicle if they are the main driver.

"Fronting" is when a parent insures their child's vehicle claiming that they are the main driver as an attempt to cut costs.

Mr Crowder warned: "This is illegal and the insurance industry treats it as fraud."