It’s no secret that car insurance costs – with younger drivers hit so hard many have been forced off the road.

In fact, the latest figures show younger drivers now face paying premiums averaging £1,317.

So it’s excellent news money saving expert Martin Lewis has just revealed how to slash hundreds off the cost.

"I’ve got a bag full of tricks for you," he told viewers of the Martin Lewis Money Show on ITV.

"The answers often aren’t common sense," Martin revealed.

These are his tricks.

Martin Lewis’s tricks to cheap car insurance

"It’s all bout the date when you get your renewal – 21 days beforehand," he explained.

The pointed out the price drops from 35 days to 21 days, then rises again after.

There are savings of hundreds on offer.

"It’s not exact for everyone, but it shows how timing it can make a big difference for everyone." Martin said.

"When it comes to car insurance, be the early bird who catches the worm."

Martin’s "counter logical" car insurance savings

The way insurance works doesn’t always make sense at first.

He pointed out that comprehensive cover can be cheaper than a third-party fire and theft policy. It’s because by selecting the first option means insurers see you as lower risk.

And that’s not all.

"Adding an extra driver can cut your costs – it’s especially useful for younger drivers," Martin said.

One viewer said he managed to save a colleague £500 by adding him, with his 10 years’ experience, as a second driver.

But never put them as the main driver as that’s called "fronting" and counts as fraud, Martin warned.

But that wasn’t all.

"Tweaking your job description can change costs," Martin added. Changing from artist to illustrator cut one viewer’s cost by hundreds.

But again, always make sure you’re choosing a job description that a reasonable person would think described your work, or you could be at risk of fraud again.

The key, Martin pointed out, was to tweak your forms to see what can cut the cost.

But make sure – if possible – to pay annually.

"Car insurance paid by the month is a loan," Martin said. "Pay it up front, in one go."

Martin pointed out up to 30% APR is added to costs.

One viewer could knock £200 off their policy by paying up front and spreading the cost with a loan, interest-free from either a friend or family member or a 0% card if you have a good credit rating.

Some insurers will split the cost interest-free, but if you don’t check you could find out you’re paying hundreds more for no reason at all.

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