Find The Very Cheapest Car Insurance

We check the prices, so you don't have to!!

Such a simple method - yet it could save you £££s!!

Three years ago we discovered that by getting quotes from a price comparison site, and then booking your car insurance a month ahead of the expiry date of your current policy, you could save money - but probably only a fairly small sum, with an average benefit of just over £11.00. Our latest test in November 2018 has shocked us though; the average saving from our test panel of motorists had risen to a massive £78.58!!

How did we find this out?

We created details of 50 motorists with different cars, postcodes, occupations, marital statuses, ages, lengths of driving experience and no-claims histories, and compared quotes for them on We ignored included extras such as courtesy cars, legal representation etc and compulsory excesses since most of our visitors are only interested in finding the cheapest quotes.

You can see our test results by clicking the button below.

But this is crazy!!

Not to the insurers, it's not. We reckon they have three good reasons for doing this:
  • Someone who gets quotes 30 days before their renewal is due is probably just window shopping. To get this person to buy could mean having to offer the best possible price.
  • Conversely, if the renewal is due today or tomorrow there is much greater urgency to make a decision; some of the insurers figure that they can get away with charging a bit more to someone who has little or no time left to shop around.
  • A driver who leaves a renewal until the very last minute may be (a) short of money, in which case basic car maintenance may be skimped on or (b) is a pretty disorganised person. Both of these may be a bit riskier to insure than the average person.

Did they ALL save money?

No. In several cases there were no differences between the figures for buying a policy today, and for getting it in 30 days. In particular the insurer Right Choice didn't seem to mind either way but those who could have saved money benefitted from savings from £0.97 right up to a massive £447.63!

There were two anomalies however. For motorist number 7, leaving the purchase until the end could have actually saved £2.24, whereas motorist number 8 could have have saved £332.74!

Doesn't this disprove your theory then?

I admit we were puzzled by this at first but when we checked this person's details the address we had picked at random was in a B11 postcode. This is generally recognised as being the second worst on in the UK for third party claims and alleged insurance fraud! The insurer that gave the cheaper quote was the Complete Cover Group who specialise in finding cover for 'non-standard' motorists such as those in high-risk postcodes etc. Why this company didn't quote for a policy 30 days ahead is still a mystery to us but they no doubt have their reasons.

To find out how much of a difference this postcode made, we tried another price comparison for this person using identical details but giving an Aberdeen postcode instead of a Birmingham one. The results were amazing! The lowest quote for booking a day ahead fell from £1,486.56 to £516.77, and for booking 30 days ahead it went from £1,819.30 to £380.51; a saving of £136.26 on the new figures, but at about a fifth of the cost of the original quotes. This shows the huge difference that a motorist's address can make to the cost of insuring a car.
The best way to save money is still to compare LOTS of prices!

Home       Contact Us       Privacy Policy      Terms & Conditions

Copyright © 2016 Prudent Plus Ltd All Rights Reserved is a trading style of Prudent Plus Ltd of Booths Hall, Booths Park, Chelford Road Knutsford WA16 8GS.
Our opening hours are: Monday to Thursday 9.00am to 6.00pm; Friday, 9.00am to 5.00pm; Saturday 9.00am to 12.30pm. Closed Sundays.

We do not give financial advice on this website. If in doubt get professional advice and always read the policy information before purchasing an insurance contract.

For regulatory reasons we have not named the price comparison site that we have used, but all our data is available for inspection by any suitably qualified person or company who, in our opinion, has a good reason to see it. Our contact details are above.