I Tried Martin Lewis’ Car Insurance Trick and Was Stunned by the Results

It was that time of year again: car insurance renewal. Like many, I dread this task, but I’ve learned the importance of shopping around instead of simply renewing with the same insurer and risking overpaying—something I’ve fallen victim to before.

Last year, I tried a savvy tip from money-saving expert Martin Lewis that promised big savings. He advises that the best time to check car insurance quotes is around 23 days before your current policy expires. This timing takes advantage of a curious quirk in how insurers price their policies.

Following Lewis’s advice last year, I managed to cut my insurance bill in half. The truth is, prices can fluctuate wildly in the weeks leading up to your renewal date. Shockingly, two people with identical cars and driving histories could be quoted vastly different prices simply because they searched on different days.

Insurers tend to view those who wait until the last minute to renew as higher risk, which often results in higher premiums. That’s why marking your calendar for roughly three weeks before your policy expires can make a huge difference.

This year, I was pleasantly surprised. My renewal quote was actually lower than last year’s and better than any offers I found on comparison websites. While it’s reasonable to expect premiums to drop as you gain driving experience, this isn’t always the case, so this was a welcome change.

Deciding to stay with my insurer for another year spared me the hassle of switching while confirming I was getting one of the best deals available. This experience reinforces the crucial habit of checking your car insurance options regularly and not assuming your current provider is always the cheapest.

I’ve already marked my calendar again for November 2026, although I doubt I’ll be as lucky next time. Still, with a little timing and research, you might just save a small fortune too.