If you keep rechecking the quotes in the month leading up to renewal date you can find on certain days or weeks some companies will do a great low deal just to top the list on moneysupermarket or some such just for that week and will be far below the rest but only on that week.

>>An old-fashioned broker is worth their weight in gold.

I used one of them last time for a quote. They insisted on my address and 'phone number.

Their quote was a hundred quid more than than anyone else and I've been inundated with junk mail and calls ever since.

I have had fun putting other details into freepost envelopes and answering calls with 'hold the line please'.

Only tried comparrison sites once and what a rip off. Lowest quote by quite a margin was good old Norwich Union at £220 approx. Rang them up direct since I was unsure about one or two of the questions and after a couple of minutes was told the price was actually £160 if I bought direct thus the comparrison site was pocketing £60. Just try the common direct sites now in the month before renewal the check my renewal is competitive.

Brokers were great in the past but for run of the mill cars they are now struggling. One of my cars (classic) is via a broker but when I asked about the everday cars they immediately told me that they would not be able to compete against the direct price.