You don’t have to wait until renewal time to compare car insurance. If you haven’t made a claim, you can usually cancel your current policy with a refund, though some car insurers do charge you a penalty for cancelling a policy early.

However, sometimes the savings are worth it. Once you’ve made a comparison, double check the quotes and carefully read the coverage, including the excess payable, and any extras you want (like car hire if your car is being repaired) or don’t want.

Here are 3 good car insurance offers worth checking out:

Sainsbury’s Car Insurance gets high marks from consumers for value for the money. They offer a 10% online discount, and up to a 75% “no claims” discount, so it’s worth looking into if you have a clean driving record.

Liverpool Victoria, one of the UK’s oldest insurers, offers a 10% online discount and up to a 75% no claims discount. You can also add extras like cover for driving in EU countries and motor legal expenses cover.

Aviva Car Insurance offers you a 20% online discount, plus up to a 70% no claims discount. Additionally it offers deals for couples who live together, lower premiums for those who drive fewer miles, and protection of your no claims discount if you’re hit by an uninsured driver.

Cheap car insurance doesn’t have to be theoretical. There is a lot you can do to get the cost of your premiums down, and comparing policies online is a great start.