Paying for car insurance when you are a young driver can be a very painful experience, as the Top Gear team recently discovered when trying to get a quote as a 17-year-old.

The film has once again shone the spotlight on the cost of driving for teens and the car insurance experts at Insurance 4My.Com have compiled this list of reasons for higher premiums to help lower the cost of driving.

Generally speaking the things that affect your car insurance premium are:

• How old you are
• The level of crime in the neighbourhood where you live
• Your car security system quality
• Whether your car is parked in a garage or on the street at night
• The performance and desirability of your car
• Whether you pay your car insurance monthly or in one lump sum
• Whether you have a Pass Plus certificate
• How many years no claims you have
• How many years driving experience you have
• Your driving record

All of these things will affect the price of your car insurance but you do have the power to influence the cost by acting on as many of the points above as possible you can DRASTICALLY reduce your insurance outgoings.

So ignore what you witnessed on Top Gear and believe that you CAN get insured and get some wheels on the road – you just need to know how to keep those prices down!

To find out how to do this simply contact the team at Insurance 4My.com on 0845 371 4498.