Learning to drive can be fun for some and nerve racking for others, however, there is a common misconception that once a learner driver passes their test that car insurance premiums are cheaper. This is not necessarily the case because young drivers who have just passed their test have no experience and therefore are statically more likely to be involved in a car accident than older drivers.

In some cases parents or guardians will add their children to their existing insurance policy so they can learn to drive on their own vehicle. Alternatively driving schools will insure learners who hold provisional licences on their vehicles.

Once a learner has passed their driving test, the prospect of paying high car insurance premiums is not very pleasing. In order to possible save money, take a look at our guide below on hints and tips to find competitive quotes.

• Consider obtaining several quotes from companies who specialise in young driver insurance, direct insurers and brokers. By doing this, you will be able to compare the cover offered by several insurers.
• More and more major insurance companies recognise the Pass Plus scheme which aims to improve driving skills by offering additional discounts.
• If you are looking to buy your first vehicle be aware that modified or customised cars usually are more expensive to insure.
• Some insurers offer no claims bonus schemes for young drivers which allow 1 years no claims bonus to be built up in just 10 months.
• Before buying additional security devices for your car consider checking with your insurer as to what is insurance approved as some companies offer additional discounts.
• Although increasing your claim excess may sound like a good idea to reduce premiums, it is worth remembering that if you make a claim, you will have to find full claims excess amount.