But how can you lower your insurance costs and are there any tips for making premiums lower? We’ve got some ways to help.

New users can sign up for a year of Calm Premium for only $41.99 instead of $69.99 for a limited time. That's 40% in savings.

According to Compare the Market, annual premiums have dropped by £221 compared to last year. While this decrease is a welcome change, the overall cost of car insurance remains substantial ...