Car insurance quotes can wildly fluctuate depending on the date drivers search for them

It was that time of year again when I needed to renew my car insurance.

It’s one of those life admin tasks no one likes doing but it’s always important to check prices that are out there rather than just sticking with your current insurer and possibly being ripped off, as has happened to me in the past.

After delivering me big savings last year, I’d had a specific date marked in my calendar to search for renewal quotes on the comparison websites.

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This is the gospel according to Martin Lewis. The money expert says drivers should check for quotes around 23 days before their current policy expires in a strange quirk of the system.

Last year I was able to half my car insurance bill by using this trick.

Prices can fluctuate wildly in the weeks before your insurance policy is up.

To highlight the unfairness and wild west nature of the system, someone could be charged hundreds of pounds more entering the same licence history details for the same car just because of the date they chose to do it.

Those who wait to act closer to the renewal date are judged to be more of a “risk” for whatever reason.

So it’s a good idea to mark in your calendar around three weeks before the renewal date.

I know this trick can work and I’d advise everyone to try it – particularly if you think your insurer is taking the mickey and hiking prices for no clear reason.

However, I had a pleasant surprise this year as my renewal quote was actually lower than last year’s. (This should be what happens every year as you become a more experienced driver, but many will know it’s not always the case).

And it was a little bit lower than what anyone could match on the comparison websites.

So having done my research, I was content to stay where I was for another year – saving me the hassle of having to switch.

But it at least gave me peace of mind I couldn’t get a better offer elsewhere, and it shows the importance of always checking you’re getting the best price.

I’ve marked the diary again for November 2026, doubtful I’m going to receive such a good offer next time.