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There's no two ways about it, young driver car insurance costs a packet. At first glance it seems unfair, especially considering the number of doddery old people driving around at 2mph whilst completely oblivious to what's going on around them.

But when you check out the stats it kinda makes sense why it costs us young 'uns so much more to insure our cars. The brutal fact is that we have more accidents than the rest of the population. And when I say more, I mean loads more.

In actual fact, road safety boffins have recently revealed that one in five drivers will crash in their first year of driving, and those of us under 25 are more than twice as likely to die in a road accident than older people.

So what is it that we do so terribly wrong that helps send us to an early grave? The main reasons are really quite simple, so if we can prevent them happening then the chances of us reaching a ripe old age would be much higher, and the search for cheap car insurance would undoubtedly be far easier.

The main reason for all the accidents and the gory TV adverts is speed. Speed, as they keep telling us, kills. And it does. In fact, nearly all the car crashes on British roads involving young drivers are caused by driving too fast. It's easily done and I doubt there's anybody out there that can honestly say they haven't broken the speed limit at some point.

The authorities are really clamping down on speeders nowadays, especially young ones. Anyone getting six points in their first two years gets an instant ban, and we all know what happens to that cheap young driver car insurance if you've got points on your licence.

Speed isn't the only reason for accidents, although it obviously does contribute to a huge amount. Simple lack of experience causes a fair number too. We might think we know everything about driving, but I bet we don't know half as much as we think.

Do your parents ever natter at you when they're in the car with you? "Slow down." "Don't take corners like that." "Don't drive so close to that car in front." Do this, do that, blah blah blah. It might drive us nuts, but have you ever thought that they're only doing it because they know soooooo much more than us? They've been driving for yonks, far longer than us, and so even if we don't like to admit it, Mummy or Daddy probably does know best.

Anyway, as I was saying, lack of experience is one of the reasons we find it so hard to get a cheap car insurance deal. Driving in nasty weather is something that isn't nice however old you are, but as the years go by you do get a better understanding of what to do and what not to do.

Dealing safely with everyday incidents on the road is also something that comes with experience. People pulling out in front of you, crazily designed roundabouts and junctions with millions of traffic lights all take time to master, and for new drivers situations like this can prove just a bit hair-raising, often leading to accidents.

Finally, over-confidence can be a killer on the roads and, sadly, seems to apply more to boys than girls. You're not Michael Schumacher and you're actually driven a clapped-out Nova and not a top of the range Formula One car, so remember that when you're ragging it around the country lanes with your mates in the back seat and some hard house pumping out of your stereo.

Basically what I'm banging on about, and what all the road safety organisations are trying to say, is go easy. Driving is fun, great fun, and you've got years ahead of you yet. So don't spoil it by having a smash that could not only hurt you or one of your mates, but also ruin your chance of getting a cheap policy from a young driver car insurance firm too.

Hoot Car Insurance Services are one of the companies that can offer you a great price on cheap car insurance for young drivers, and they'll even throw in valuable legal expenses cover for free. Call them today on 0800 954 97 55 or go to www.hootcarinsurance.co.uk to see how much you could save.