WHY CAR INSURANCE PREMIUMS ARE RISING AND WHAT YOU CAN DO ABOUT IT

Six expert tips to deal with rising costs:

1. Reducing mileage: Reducing annual mileage is a great way to decrease car insurance costs. Low mileage drivers can consider pay-as-you-go insurance, but insurers may decide not to pay out if they find out this is inaccurate, so it's essential to be honest from the start.

2. Multi-car policy: Depending on the insurance provider, drivers with two or more vehicles may be able to save money by choosing a multi-car policy. Although this may depend on personal circumstances, driving records and vehicle types.

3. Improved security: Drivers can reduce the cost of their car insurance premiums by improving their security, such as installing an industry-approved alarm or parking off the road in a driveway, depending on the insurer's policy.

4. No-claims discounts: Drivers can build up a no-claims discount when they don't claim their insurance. It's always important to notify insurance companies of any accidents, but drivers may choose to cover costs for minor bumps themselves, and over time, this may reduce costs.

5. Be aware of add-ons: There are multiple add-ons available when signing up...