When it comes to comprehensive car insurance the premiumis the amount that you pay for your policy.


The amount that you pay for your premium will depend on a number of factors including your gender, age, the car you drive, where you reside, how your cark is parked overnight and the number of drivers. Car insurance providers will also look at your driving history and your level of no-claim bonus.


There are a number of ways that you can reduce your premium for your car insurance. Some ways include:

  • Restrict drivers. Most insurance companies allow you to restrict the age of those who will drive the car, which could entitle you to a discount.
  • Security devices. Having a security device in your car can reduce your premium. If you have an alarm or immobilisers in your car, make sure you list this in your driver profile. If you don’t have either of these types of security devices, consider installing at least one as not only may it scare off potential thieves but it may also reduce your premium.
  • Increase your excess. Increasing the amount of excess that you pay will reduce your premium. However, keep in mind that this means that if you make a claim you will have to pay the amount of excess you agreed to.
  • Pay upfront. Most car insurance companies give you the option to pay your premium annually upfront, by the month or each quarter. If you can, pay your premium in full upfront as this usually is at a reduced rate in comparison to the other options.
  • Increase your no-claim bonus. No-claim bonus is the discount off your car insurance you are entitled to as a reward for not making a claim. So each year that you don’t make a claim your discount increases. To increase or maintain your level of no-claim bonus, ensure that you drive carefully and avoid making claims where possible. Be aware the 60 percent or Level 1 is usually the maximum you can receive.
  • Compare car insurance quotes online. By comparing quotes online you will be able to see what premiums other car insurers offer and what is included in your policy. Choose one that is not only cheaper but suits you well.


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Learn more about car insurance

Can you insure your car for 6 months?

Most Australian insurers won’t offer you a 6-month car insurance policy, so you may need to buy a policy that covers your car for damages and cancel it after six months. You will need to purchase comprehensive car insurance to protect your car from accidental damage, theft, vandalism, or natural disasters.. 

Consider checking whether your 6-month comprehensive car insurance will cost more if you pay monthly or six-monthly premiums instead of a one-time annual premium. Another question to ask the insurer is whether you’ll need to pay administration or cancellation fees when you cancel the policy.

Alternatively, you can look for a suitable ‘pay as you drive’ car insurance policy, which usually offers you the coverage of a comprehensive car insurance policy but only requires you to pay for the distance driven. Such a policy may not be the ideal 6-month car insurance plan as it is based on how much you drive rather than for how long. If you need to drive a lot, you may end up paying more than you’d pay for regular car insurance. 

Does insurance cover a stolen car if keys were in the car?

A car insurance policy that covers the theft of your car, such as third party fire and theft insurance, usually covers a stolen car, even if the keys were in the car’s ignition.

However, your insurer may deny the claim if you live in an area where there have been several car robberies reported recently. They will see you leaving the keys in the car as a case of negligence. In such cases, your insurance provider may even expect you to have installed anti-theft security measures in your car. 

You may need to confirm whether or not you left your keys in your car, and if they had been stolen or misplaced, before filing your car insurance claim. The loss or theft of your car keys may be covered by a comprehensive car insurance policy, but usually as an optional item.

If you can confirm that your car keys were stolen, mention this in your claim as this will help establish that your car was not stolen as a result of your negligence.