How Australians Compare Car Insurance Quotes in 2025
Insurance premiums climbed again this year, but most drivers don't realise how much a few settings can change a quote. The good news: with a 10-minute comparison and two or three small tweaks, many households can cut costs without sacrificing the cover they actually need.
What's Really Moving Prices in 2025
Postcode risk: Insurers weigh theft, accident and weather data by suburb. If you've moved, update the address before renewing.
Excess level: A higher excess usually lowers the premium, just set an amount you're comfortable paying if you claim.
Vehicle safety tech: AEB, lane-assist and immobilisers can reduce risk ratings.
Driver profile: Age, recent claims and kilometres driven still matter.
Payment cycle: Annual payments are often cheaper than monthly once fees are included.
How to Compare Quotes the Smart Way
Gather basics: Licence details, vehicle VIN/rego, average kilometres, parking location.
Request at least three comparable quotes with the same excess and same optional extras.
Check total annual cost (not just monthly) and any direct-debit fees.
Save versions so you can change one variable at a time (e.g., excess from $750 → $1,200).
Start your research here:
Compare Top Car Insurance Quotes
Quick Savings You Can Check in Minutes
Adjust excess thoughtfully: Moving excess up a notch can trim the premium without gutting your cover.
Trim extras you don't use: Windscreen, hire car, roadside—keep only what you'll value at claim time.
Bundle where it makes sense: Some insurers discount when you combine home + car.
Want a deeper dive? Comprehensive vs Third Party: which fits your situation?
Before You Choose, Read the Fine Print
Scan the Product Disclosure Statement (PDS) for: repairer choice, genuine parts, flood and storm definitions, claim lodgement times and dispute process. For neutral guidance, see MoneySmart's car insurance guide
Bottom line
Most drivers focus only on their renewal notice, but the real savings come from comparing like-for-like quotes, adjusting one factor at a time, and reading the Product Disclosure Statement (PDS) before deciding.
Spending ten extra minutes checking excess levels, payment options, and inclusions can uncover discounts that many overlook. If your premium has gone up this year, resist the temptation to auto-renew, take the time to re-shop your policy, and you could easily keep hundreds of dollars in your pocket.
