Under 21 drivers can reduce their car insurance in many ways; earn no claims discount from parents, take out a Pass Plus test, consider pay as you drive insurance, buy a low insurance group car or multi-car policies...

• Earning no claims bonus from parents - some insurers like DirectLine and Churchill allow named drivers to earn no claims discount towards their own policy.
• Pass Plus - driver training mainly aimed at new drivers in the first year after passing their test, many insurers offer a significant discount.
• Pay as you drive insurance - also checks your quality of driving so if you drive well and drive less you could save, co-op car insurance offer these policies
• Low insurance group cars - are the cheapest to insure but make sure they haven't been modified, this includes alloy wheels but fitting Thatcham security is a plus.
• Multi-car insurance - offers a discount on all cars at a single address, Aviva, Admiral and Directline are the main insurers to offer it.