Grand Gears's video: 10 ways to cut young driver costs for cheap car Insurance in 2016 expert advice

1. Don't assume third party is the cheapest There are three different types of car insurance: third party only, third party fire and theft, and fully comprehensive. 2.Try adding a second responsible driver Adding a second driver should push the cost up, yet bizarrely it can cut your costs. 3.Ensure you always minimise your risk. Car insurance rates are set by actuaries, whose job is to calculate risk. You can make big savings by showing an insurer you're not the typical high-risk young driver. 4.Tell your insurer about special circumstances If you haven't got 'normal' circumstances, eg, you've made a claim in the past few years, have a modified car or expect to drive 100,000s of miles a year, tell your insurer. 5.DON'T pimp your car Sexy it might be, MoneySaving it ain't. The more changes you make to your car, barring security ones, the more you'll be charged. 6.Set the right excess without breaking the bank It's worth thinking about going for a policy with a higher excess - the amount of any claim you need to pay yourself. 7.Never lie to the insurer. With insurance, remember - the golden rule is: Tell them the truth, the whole truth and nothing but the truth. 8.Tweak your job description. Another quick win is tweaking your job description (legitimately of course). 9.Never auto-renew. Nothing better illustrates car insurers preying on loyal customers than Sarah Cooper's tweet. "My car insurance renewal is £1,200. New policy with same company is £690. How do they justify this?" They don't. They just do it. 10.Consider telematics. Telematics is a policy which prices your premiums depending on how you drive. A device - known as a black box - installed in your car monitors your actions behind the wheel so the better your driving, the less you pay for cover.