If you're a young driver, there's no way of avoiding paying high rates to insure your car. That may seem unfair but insurers have good reasons for charging higher premiums. Statistics show that new drivers are more likely to claim in the first two years of their driving careers than at any other time. To offset these extra claims, insurers need to increase their policy costs.

But it's not all doom and gloom: there are ways for young drivers to keep costs down. Here are a few handy hints.

• Look out for rapid bonus schemes. These mean you can get your all important first year's no claim bonus in as little as nine months. After that, premiums should be cheaper
• Closely compare the details of quotes on young drivers’ insurance. You may find you can go onto your parent’s car insurance yet still be eligible for no claims bonus time under your own name
• Sign up for the Pass Plus scheme (if you have already passed your practical driving test). The Pass Plus is a certificate which gives you advanced lessons in motorway, town, night and all weather driving. When you have completed the course, many insurers offer a discount, which varies from company to company. For more information go to passplus.org.uk
• Choose a car which isn't modified, has a smaller engine size and a lower purchase value. Smaller, standard motors will often get you cheaper quotes
• Third party fire and theft insurance cover is cheaper and you are covered against other peoples' claims on you, as well as for theft and fire of your vehicle. But remember you are not covered for damage to or replacement of your own vehicle
• Make sure you have an alarm for your car. A Thatcham approved security system reduces the risk of theft. This could also reduce the price of your insurance premiums