First it must be said that the high premium associated with the age bracket is nothing personal. Statistics over years have pointed them as the highest risk age group. The statistics vary from place to place. However, one thing always remains true: Of all age groups, under-25 persons are consistently the most accident prone.

This is due to several factors. At the top of the list is the general recklessness associated with youthfulness. Apart from this, they are also less experienced in the very act of driving and thus may not respond as well as more experienced drivers in difficult situations.

So here's something that will help...

Take lessons in defensive driving. In case you don't know what this means it is an advanced form of driving that goes beyond just obeying traffic rules to actually taking proactive steps to ensure your safety and that of other road users. As an example, a driver who has learned to drive defensively assumes that the other drivers on the road are reckless and so make room for them. If a car indicates that it is going to the right, a defensive driver will assume that such a car might as well go in the opposite direction.

This is certainly a simplistic explanation of a rather broad subject. However, you can certainly agree with me that undergoing such training increases your driving skills and thus lowers your risk on the road. This will affect your insurance premium positively.

Even after you have done this, make sure you take time to understand the process of making savings on car insurance. It's a simple process that could result in savings of up to $1000.