TOT car insurance

Indeed. It's a rip-off. The excessive premiums paid by loyal customers simply fund the commission paid to these so-called "comparison site" parasites.

It's worth speaking to your current insurer, armed with all the competitive quotes. You can often get the price down considerably.

I always have to do that with my insurer, and they invariably magic up some discounts which then make it not worth the hassle of switching. I just resent having to do it - I've got better things to do with my time!

Yep.

Check premiums through the comparison sites and then take their commission for yourself by buying the insurance through TopCashBack

Roger Mills formulated the question :

Mine is a broker and every year for the first few years I told them I could do better, would they requote it. Each time the requoted it much cheaper, now they must reqoute each year - because is always the cheapest deal they offer come renewal time.

It's worth checking everything.

My Dad asked me about getting charged for exceeding his data limit[1] on Broadband. Turned out that he was on a 6 year old plan and paying through the nose for it. One phone call and the broadband was cheaper, faster and had no limits.

Same for car breakdown cover. I always called the AA just before the annual renewal to say that if they could not drop the price to that of a new member then cancel my membership.

I've just renewed my insurance with the same insurer that I've used for four years or more.

This was the first year that I found any cheaper quotes but when I investigated and modified the quote to get exactly the same cover as I already have, the difference was less than £10 so better the devil you know, etcetera ...

I later changed the cover as a precaution because I can't get the car into the garage and the moment and park it on the drive but I also reduced the car's value to account for its increased age and the premium went up by elevenpence!