Responsible young drivers are facing high insurance premiums because of the actions of reckless motorists in the same age group, but there are ways they can help reduce these costs.

With one in four people killed in car accidents being aged under 25 years old and just one in ten drivers on the roads aged between 17 and 24 years old, the statistics make for worrying reading. As insurers are unable to differentiate between careful motorists and those who drive without consideration of others when taking on new customers, figures like these are the only source of evidence they have to go on.

Therefore, because of the actions of a few, everyone in this age group is forced to pay out for expensive young driver car insurance policies.

To help make insurance cover less expensive for young people in an attempt to encourage them to take out a policy and not break the law by avoiding it and not pay out large sums of money, insurance companies will offer reductions for a number of reasons.

Novice motorists can add a named driver to the policy, which can reduce premiums, especially if they are older and more experienced on the roads.

Insuring a vehicle with a smaller engine capacity will also see the cost of cover fall significantly, as insurers judge these cars as low risk.

It is possible to save money on premiums by increasing the excess, but it is important to be realistic to what can be afforded, as people will not want to be paying out £600 excess after an accident.

The type of insurance taken out can prove cheaper depending on the value of the car. Third party, fire and theft cover may work out cheaper for lower valued cars, whilst a fully comprehensive policy could be cheaper for cars that are more expensive. It is important to shop around for the best deals on offer.

As with the majority of policies, the premiums young people are offered, is dependant on the area in which they live in and the arrangements they have for keeping the vehicles safe and sound.

Parking in a secure location such as in a garage or behind locked gates can make a radical difference to the amount of an insurance bill. Also fitting the car with an alarm system will help reduce premiums too.