Lucky Saga car insurance customers benefit from pricing error

How can I check I have the best deal on my car insurance?

Though most won't be able to benefit from a lucky pricing error, there are still lots of ways to make sure you've bagged the cheapest premium. Here are some tips and tricks to cut your costs:

• Check your renewal price. If you see your policy through to the end, you will usually be sent a renewal quote about 28 days before the next policy payment is due. NEVER automatically accept your renewal quote, and if you don't receive one, get on the phone to your insurer.

• Three to four weeks before your policy expires, use comparison sites to check for the best deals. If you get a better quote than you've had so far, it's likely to be the cheapest you'll get. See our Car Insurance guide for the current order.
  
  If you are not ready to buy the policy, many insurers will let you 'lock in' a quote once you have it, so you can buy later (assuming nothing changes in your circumstances, eg, you don't get a speeding ticket or have an accident).
  
  
• Try counter-logical tricks. It's all about risk averages and 'actuarial' tables, which can lead to bizarre ways to save. Use trial and error to see if comprehensive's cheaper than third party or if you can save by tweaking your job description. Adding extra drivers can cut costs too if they're a lower risk than you. This is especially strong if you're a young driver adding a responsible older driver, but it's worth a try for others too.