The average car insurance premium has rocketed by more than 65% in the last three years, according to the AA. These handy tips could help you lower the cost of your cover.

1. Think about telematic ‘pay how you drive’ insurance. Useful for young drivers, it can also work if you have lost your no claim bonus or are older but you need to manage your cover online
2. Reduce the number of miles you do each year
3. Keep your car in a garage
4. Add someone as a named driver, which could reduce your premium, especially if you are a young driver adding a parent (but the opposite might be true if you’re a young woman attempting to add your boyfriend!)
5. Shop around (but beware the cheapest policies may have elements such as windscreen cover excluded so check that it meets your needs); or let a broker such as the AA do it for you
6. Downsize to a less powerful car
7. If you move house check what the cost of your cover will be (both for car and home cover)
8. Increase your excess (ie, the amount you are prepared to pay up front if you have to make a claim)
9. See whether your occupation could be honestly described in a different way that might lead to a lower premium
10. If you have an old car, think about third party, fire and theft (TPFT) cover. But be aware that the cheapest comprehensive policy could be less than the cheapest TPFT: that’s because some insurers no longer offer it
11. Manage your insurance online – insurers often charge for changes by post but not always for online changes