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According to the Association of British Insurers, average motor insurance premiums dropped by 1% last year. But the experiences of many Money Box listeners tell a different story.

Louise Cooper and panel discuss why the cost of car insurance is so high.

How do insurers work your premium out? Is it ever a good idea to stick with your existing provider? And how common is it for young people to pay more for their insurance than the cost of their vehicle?

From 1pm Wednesday 30th January you can call us on 03 700 100 444 or email us at any time: moneybbc@bbc.co.uk.

Joining Louise on the panel:
David Williams - Technical Director at AXA Insurance
Amanda Stretton - Motoring Editor, Confused.com
Neil Hart - Client Services Director at Consumer Intelligence

Producer: Alex Lewis + Linda Walker
Editor: John Murphy