Knowing a trick or two to get cheaper car insurance is what all drivers need to know after a recent government ruling is making car insurance premiums rise by up to £75 a year by March 20. This is because insurance payouts for those with long term injuries are going up. That means car insurance companies have to go up for everybody to cover the cost.

Under the new legislation, Justice secretary Liz Truss announced that those affected by severe and long-suffering road accidents will get more money. The discount rate used to calculate lump sum payouts in severe damages claims is to be lowered from 2.5 percent to minus 0.75 percent. The calculation is said to make fair compensation to offer someone with a permanent injury, such as a broken back that leaves them on a wheelchair for the rest of their life.

The new car insurance system works out in a way that you get more money each year, based on average life expectancy. This is because the money you get won't produce the interest it used to when the previous limit was set in 2001. However, the Association of British Insurers (ABI) thinks the decision is "crazy" since it could increase costs for insurers by up to £3 billion with as many as 36 million drivers paying the price, the Wales Online report.

To help ease your payments, here are perfectly legal tricks that could help you get cheaper driving insurance. First, be honest about your occupation since according to the Coventry Telegraph, your job can affect insurance. Second, add one more experienced driver to your policy, after getting permission first, since it's perfectly legal and it can save you money.

Other car insurance tricks involve searching around and switching insurance companies three weeks prior to renewal date. This can save you an average of £280, and there are even bigger savings available for younger drivers. Finally, just pay up front to avoid costs that insurance spread over the year.