Any 20-something who has tried to organise car insurance knows how difficult it is to get a good rate. It doesn't matter whether you have a no claims bonus or you've had a few accidents; if you're under 30 expect to fork out a lot of cash.

Which makes it very important to get a good deal, especially when you learn that a recent study by swiftcover.com has shown that you could save over £150 a year by shopping around for the best provider.

According to the Association of British Insurer's 'Young Drivers: Road Safety and the Cost of Motoring' report, young drivers can spend more that 50 per cent of their motoring costs on insurance, compared to six per cent for a more experienced driver.

In the swiftcover.com study they compared four case studies and discovered that companies who target under-20s in their marketing do not necessarily have the cheapest rates. Unsurprisingly swiftcover.com found that they had the cheapest deal in each of the case studies, but Tina Shortle, marketing director of swiftcover.com, says that the premiums are low because by running an efficient online service lets them reduce administration costs. In one instance they even found that a customer could save an average of £156.19 per annum!