Cheap Motor Insurance for Young Drivers

For young drivers, getting a good deal on motor insurance is a little tougher than for those with more experience and 'bonus' under our belts. It's not fair to tar all drivers with the brush of 'boy racer' but there are still those out there that earn this title and can spoil it for the rest!
So how can you reduce your motor insurance premium as a young driver? Whilst most insurers shy away from writing this type of business on their standard accounts there are certainly ways to get a better deal and save some money.
First of all recognise that as a young driver you are a more specialist risk. There are brokers out there with special schemes and insurer deals to save you money. Where a broker proves to an insurer they have a good track record and experience of the young driver market they will have better rates available. The market has now segmented further and there are sepcialist brands for young male and young female drivers - the innovative broker Fresh Insurance has brands like 'Ladybird' which are worth checking out. http://www.freshinsurance.co.uk/
Approach some brokers and ask if they offer a 6 month policy rather than annual. At the end of this you can can take out a full year policy and you'll have earnt 2 years bonus in just 18 months. Some brokers have access to 'age accelerator' deals - what this means is if you are 19 but only a few months away from 20 they can 'accelerate' you and give you the price a 20 year old would get - considerably cheaper!
Consider taking the 'Pass Plus' course and exam - http://www.passplus.org.uk/ Many insurers will give you a discount for this. A quick calculation will tell you that the cost may well be more than offset by the reduction in your motor insurance premium. The site lists insurers like Norwich Union and brokers such as Adrian Flux who can offer you premium flexibility with the Pass Plus.
Finally, think carefully about the car you buy if you're at that stage! Insurers have started to take a more sophisticated approach and even if you are a young driver buying a more sensible car says something about you and will be reflected in the price. Buy a hot hatch with go-faster-stripes and super-wide-wheels and you'll pay the price on your insurance!