Unfortunately statistics still show that younger drivers between the ages of 17 and 21 are still at high risk of being involved in accidents regardless of fault. It is for this reason that they are still being charged more for their cover. Ageist though it may seem, insurers are simply being realistic and so it is up to you to find ways to save yourself some pennies which will hopefully add up to some pounds.

The first thing to do is to compare and contrast the various car insurance policies out there, remembering that although two policies may appear to be the same on the surface there may be significant differences when you take a closer look. Establish what is important to you, whether it be the promise of a replacement car or simply the need for it to be as cheap as chips. Either way, once you have your priorities established you will be in a better position to narrow your selection down based on elements that are important to you as an individual.

Now that you are making comparisons in an informed fashion the next way to shave the shillings is to use the internet to the fullest. Due to the reduced man power required to run a website, companies are able to pass the savings back to you. Although not all companies offer the capability to purchase policies online, it is well worth sifting through the ones that don't until you get to those that do. Companies offering cover online can provide up to a 20% discount on your policy which can increase according to the number of cars insured within the same household. Depending on the cost of the cover this saving could be over £100 on an annual policy.

Another way to save some serious cash is to leave your car alone! Modifications may look pretty and leave you feeling slick as ever, however they can horrendously hike the cost of your cover. There are a number of reasons for this, one being manufacturers placing the vehicle on the road in a state that should allow the car to work at an optimum level, by messing around with their specifications you are potentially leaving your car vulnerable to technical failure which could have detrimental effects on you the driver and all those crossing your path.

As it will be the insurance company forced to cough up the change if and when your modded out vehicle is in a collision the anticipated cost is handed over to you from the outset. If you are unable to cruise comfortably conforming to the standards laid out by the manufacturers and insurers and insist on crimping and cutting your car make sure you let your insurer know as providing false details such important could leave your entire policy worthless even if you attempt to make a claim completely unrelated to the modifications made.

As a young driver getting behind the wheel can be incredibly liberating, the wind in your hair, music pumping and the power of the pistons under your hood propelling you into society with only one restriction; your right foot and the accelerator. With such freedom some find it impossible to reign in their capabilities and choose to treat the roads as their very own race track, regarding other drivers as mere obstacles standing in the way of their best lap-time.

Driving in such a fashion may feel sweet but will leave a sour taste when the consequences are made painfully clear to you via the endorsements on your newly laminated license. 3 points here and 3 points there leaves no room for building up a no-claims history which would potentially reduce your yearly premium. For those of you wanting to save money, speeding and driving wrecklessly is not the way to do it, careful driving however will.