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Insurance Questions? Need help with premiums, policies or claims? Call 03700 100 444 from 1pm to 3.30pm on Wednesday or e-mail moneybox@bbc.co.uk Motor insurance premiums are rising for the first time since 2011, according to the latest AA Insurance Premium Index. Average quotes rose by 4.2% to £891 in the third quarter of 2014 but there is better news for drivers aged 17-22 whose costs are falling due to 'pay how you drive' policies. ÃÛÑ¿´«Ã½ insurance premiums are falling, with average annual buildings cover costing £112.56 and contents cover dropping to £61.64. But don't fall into the trap of allowing your insurance to renew automatically or you won't benefit from the drop in prices. If you want to ask about finding a cheaper policy, while making sure your valuables our covered, why not talk to our team on Wednesday? Maybe you need help understanding the jargon? If you're making a claim, is it going smoothly? Perhaps you want the latest news on plans for flood insurance? Or advice about a specialist policy? Whatever your question, why not ask our panel for their view? Joining presenter Lesley Curwen will be: Anne-Marie Flexman, Gocompare. Stuart Reid, Executive Chairman, Insurance Broker, Bluefin. Malcolm Tarling, Association of British Insurers. Call 03700 100 444 from 1pm to 3.30pm on Wednesday or e-mail moneybox@bbc.co.uk now. Standard geographic call charges apply.