As car insurance premiums rise and petrol remains at more than £1 per litre, drivers are doing all they can to lower the cost of motoring.
The Institute of Advanced Motorists (IAM) points out that car insurance prices are going up because of a number of factors, such as rising costs due to no-win no-fee cases and more people making claims.
It urges drivers to take steps to lower their car insurance premiums, starting with driving a vehicle in a cheaper bracket.
"Also you can take advanced driver training which will be recognised by insurers," continued Neil Greig, director of policy and research at the IAM.
"Then there is the case of having a garage - let the company know you have one."
Alarms should be fitted, especially to expensive models, and any other steps to prevent theft should also be taken, Mr Greig continues.
Despite taking as much action as possible, most of the cost will still come down to things drivers have no control over, such as gender, age and postcode.
The motoring expert also points out that uninsured drivers push prices up for those who take out cover, although the police are cracking down on such criminals with the help of connected registration, insurance, tax and MOT databases.
According to figures from Consumer Intelligence, the average car insurance premium is now £564.69, up 19.6 per cent from January 2009.
Younger motorists are most affected by rising costs, with the average cost for those aged 17 to 24 going up from £1,275.60 a year in January 2009 to £1,489.44 in December 2009.
Meanwhile, drivers over 65 have seen the smallest increase in premiums.
Shopping around for car insurance quotes can save drivers more than a third, with many of those switching last year saving more than £50.
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