Auto renewal quotes should be always challenged. Loyal customer discount for car insurance renewal is a myth, as there is a admin (renewal) fee often included specially if there are any modifications.
Car insurance are set by the so called financial experts who try to calculate risk and uncertainty based on information you provide.
The price depends on two things: (a) assessment of your particular risk focus based on factors you declare and (b) pricing model so that only low risk customers are offered best price.
See the following factors which is used for risk assessment:
Advise of young drivers how to reduce insurance costs:
The art of effective & speedy car Insurance quotes:
Note: You may use a cash-back credit card to pay for your car insurance policy in full if you also pay the credit card in full by direct debit.