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Younger motorists are increasingly finding themselves facing exorbitant premiums. In past years, youngsters driving modified or performance cars would expect their new young driver policy to reflect this and pay over and above the norm for their new motor policy.

However, motorists under 25 years of age reading this will know that the reality today is a completely different story! The challenge facing teenagers and young drivers insuring even the most basic 1.0l vehicle is to find a premium within their budget!

Severe rises in UK young driver premiums across the board have even deterred some young male drivers from obtaining car insurance (even in its most basic form - third party cover for example).

Nearly all young driver car insurance providers will load their quote to reflect the statistically (high) risk of insuring new, inexperienced and younger motorists. OK, so the next obvious question facing many is how do we try and lower our premiums and most importantly - drive safely on the roads?

Firstly, as a young or new driver you must take a look at the Pass Plus scheme designed by The Driving Standards Agency (DSA). When you have successfully completed your Pass Plus training course you'll be sent a Pass Plus certificate. You will be able to use this certificate to claim your young driver motor insurance discount.

Another great way to lower your next premium is to apply for black box insurance. With the new EU law coming in to force at the end of 2012, this type of technology is going to become increasingly relevant in helping young drivers obtain lower motor insurance quotes.

It is a fact that it is a lack of driving experience not your age that causes many new drivers to crash within the first six months of gaining their precious new (full) driving licence. Last but by no means least, it is imperative that when:

• You have found a suitable (sensible) vehicle with a low insurance group, and
• Obtained the correct young driver motor insurance policy
• You embark on a career of sensible and safe driving.