{"organism":"Page","children":[{"organism":"Container.Raw","children":[{"organism":"Metadata","model":{"title":"How can I reduce my car insurance premiums?","text":"\u003Cp\u003E\u003Cstrong\u003E15 June 2023 | 5 MIN READ\u003C/strong\u003E\u003C/p\u003E\r\n\r\n\r\n\u003Cp\u003EWant to save on your car insurance in the new financial year? Here are our top 10 tips.\u003C/p\u003E\r\n\r\n\r\n\r\n\r\n","links":[{"name":"How can I reduce my car insurance premiums?","value":"https://www.shell.com.au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums.html"}],"date":"2023-06-15T14:08:00.000Z","tags":[{"name":"Vehicles","value":"vehicles:"}]},"id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/metadata"},{"organism":"ContentOwner","model":{},"id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/contentowner"},{"organism":"Container.Header","children":[{"organism":"Container.Raw","ref":"https://www.shell.com.au/_jcr_content/root/header/inherited.model.json","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/header/inherited","model":{}},{"organism":"Breadcrumb","model":{"links":[{"name":"Home","value":"https://www.shell.com.au/"},{"name":"Motorists","value":"https://www.shell.com.au/motorists.html"},{"name":"Go Well Content Hub","value":"https://www.shell.com.au/motorists/go-well-content-hub.html"},{"name":"How can I reduce my car insurance premiums?","value":"https://www.shell.com.au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums.html"}]},"id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/header/breadcrumb"}],"id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/header","model":{}},{"organism":"Container.Main","children":[{"organism":"Container.Section","children":[{"organism":"PageHeader","color":"inherited","model":{"title":"How can I reduce my car insurance premiums?","text":"\u003Cp\u003EWant to save on your car insurance in the new financial year? Here are our top 10 tips.\u003C/p\u003E\r\n\r\n\r\n","date":"2023-06-15T14:08:00.000Z"},"id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/page_header"},{"organism":"Container","colspan":8,"children":[{"organism":"Author.Info","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/author","model":{"links":[{"name":"By Shell on Jun. 15, 2023"}],"image":{"src":"https://www.shell.com.au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/_jcr_content/root/main/section/simple/author.shellimg.png/1698235913056/shell-pecten.png","alt":"Shell Pecten","width":2500,"height":1405}}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/text","model":{"title":"How can I reduce my car insurance premiums?","text":"\u003Cp\u003ECar insurance is a good thing. Paying too much for car insurance isn’t. Fortunately, there are steps you can take to make sure your premiums are no higher than they need to be.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/text_813844877","model":{"title":"1. Choose the right type of car insurance","text":"\u003Cp\u003EIf you’re paying lots of money for comprehensive car insurance to cover a car that isn’t worth a great deal, you might be better off switching to third-party car insurance, or third-party, fire and theft. Check out our story on the \u003Cb\u003E\u003Ca href=\"https://www.shell.com.au/motorists/go-well-content-hub/what-type-of-car-insurance-should-i-buy.html\"\u003Edifferent types of car insurance\u003C/a\u003E\u003C/b\u003E and work out which type is best for you.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/text_793052103","model":{"title":"2. Shop around","text":"\u003Cp\u003EWhen renewal time comes around, it’s very tempting to just click on “Renew now”, hand over your cash and move on to something more interesting. But taking some time to shop around can save you a bundle. Use a comparison website such as \u003Cb\u003E\u003Ca href=\"https://www.canstar.com.au/car-insurance/\" target=\"_blank\"\u003ECanstar\u003C/a\u003E\u003C/b\u003E or \u003Cb\u003E\u003Ca href=\"https://www.finder.com.au/car-insurance\" target=\"_blank\"\u003EFinder\u003C/a\u003E\u003C/b\u003E, and take a look at \u003Cb\u003E\u003Ca href=\"https://www.choice.com.au/money/insurance/car/review-and-compare/car-insurance\" target=\"_blank\"\u003EChoice\u003C/a\u003E\u003C/b\u003E.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/text_1779740197","model":{"title":"3. Explore higher premium options to see if it is right for you","text":"\u003Cp\u003EYour excess – the amount you have to pay when you make an insurance claim – can make a big difference to the cost of your premiums. Agree to a higher excess and your premiums will come down. When choosing your insurance policy you should be able to play around with different excess figures to see what difference they make.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/text_724097608","model":{"title":"4. Pay annually instead of monthly","text":"\u003Cp\u003EIf you pay your car insurance premiums monthly you’ll end up paying more than if you pay them annually. If you can afford to, pay for the whole year up front.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/text_1853309135","model":{"title":"5. Drive carefully (and think twice before making a claim)","text":"\u003Cp\u003EInsurers take your driving record into account when they give you a quote for car insurance. They are likely to consider how many at-fault claims you have made in recent years, and some insurers will also take into account the number of demerit points you’ve got (demerit points are also a factor when you’re getting quotes for New South Wales compulsory third-party, or green slip, insurance). If you’ve had your licence suspended, that’s also likely to count against you. So drive safely. Consider whether making a claim is worthwhile: a no-claims bonus can be worth its weight in gold.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/text_248031963","model":{"title":"6. Park off the street","text":"\u003Cp\u003EWhere you park your car affects your premium. If you can park in a garage, carport or driveway, rather than on the street, do so – and make sure you tell your insurance company about it.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/text_1531990123","model":{"title":"7. Insure your car for market value","text":"\u003Cp\u003EYou can insure your car for an agreed value (a figure that you agree on with your insurer) or market value (in which the insurer, in the event of your car being stolen or written off, pays you what it would have been worth on the open market). Your premiums will be lower if you insure for market value.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/text_443648565","model":{"title":"8. Bundle policies","text":"\u003Cp\u003ECheck if your insurer offers loyalty discounts: if you have other policies with them (home and contents insurance, for example) you may be offered cheaper car insurance.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/text_948751455","model":{"title":"9. Drive your car less","text":"\u003Cp\u003EThe distance you drive in a year can affect your premium. Some insurers offer discounts for low-distance drivers. You might also look into pay-as-you-drive policies, which cover you up to a certain distance, and can be cheaper than traditional comprehensive policies.\u003C/p\u003E\r\n"}},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/text_1356301577","model":{"title":"10. Don’t pay for extras you don’t need","text":"\u003Cp\u003EDo you really need a hire car in the event of an accident, or personal effects cover? Reconsider the optional extras to save money.\u003C/p\u003E\r\n"}},{"organism":"PageTags","model":{"tags":[{"name":"Vehicles","value":"https://www.shell.com.au/tag-search.html?tag=vehicles%3A"}]},"id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/page_tags"},{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple/text_759406650","model":{"text":"\u003Cp\u003E\u003Csup\u003EDisclaimer\u003C/sup\u003E\u003C/p\u003E\r\n\u003Cp\u003E\u003Csup\u003EViva Energy Australia Pty Ltd (“Viva Energy”) has compiled the above article for your general information and to use as a general reference. Whilst all reasonable care has been taken by Viva Energy in compiling this article, Viva Energy does not warrant or represent that the information in the article is free from errors or omissions or is suitable for your intended use.\u003C/sup\u003E\u003C/p\u003E\r\n"}}],"id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple","model":{}},{"organism":"Container","colspan":4,"children":[{"organism":"PromoSimple.Text","color":"inherited","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple_1886336071/text","model":{"title":"You may also be interested in"}},{"organism":"Author.Info","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple_1886336071/author","model":{"text":"\u003Cp\u003EBy Shell on May 11, 2023\u003C/p\u003E\r\n\r\n\r\n","links":[{"name":"What type of car insurance should I buy?","value":"https://www.shell.com.au/motorists/go-well-content-hub/what-type-of-car-insurance-should-i-buy.html"}],"image":{"src":"https://www.shell.com.au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/_jcr_content/root/main/section/simple_1886336071/author.shellimg.png/1698242670150/shell-pecten.png","alt":"Shell Pecten","width":2500,"height":1405}}},{"organism":"Author.Info","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple_1886336071/author_1266317879","model":{"text":"\u003Cp\u003EBy Shell on May 11, 2023\u003C/p\u003E\r\n\r\n\r\n","links":[{"name":"Five ways to save money on car maintenance","value":"https://www.shell.com.au/motorists/go-well-content-hub/five-ways-to-save-money-on-car-maintenance.html"}],"image":{"src":"https://www.shell.com.au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/_jcr_content/root/main/section/simple_1886336071/author_1266317879.shellimg.png/1698242675280/shell-pecten.png","alt":"Shell Pecten","width":2500,"height":1405}}},{"organism":"Author.Info","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple_1886336071/author_929373671","model":{"text":"\u003Cp\u003EBy Shell on Dec. 11, 2022\u003C/p\u003E\r\n\r\n\r\n","links":[{"name":"Australia’s cheapest cars to run","value":"https://www.shell.com.au/motorists/go-well-content-hub/cheapest-new-cars-to-buy-and-run-in-australia.html"}],"image":{"src":"https://www.shell.com.au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/_jcr_content/root/main/section/simple_1886336071/author_929373671.shellimg.png/1698242681830/shell-pecten.png","alt":"Shell Pecten","width":2500,"height":1405}}}],"id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/simple_1886336071","model":{}},{"organism":"Container.XF","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section/experience_fragment","model":{}}],"id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main/section","model":{}}],"id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/main","model":{}},{"organism":"Container.Footer","children":[{"organism":"Breadcrumb.Large","model":{"links":[{"name":"Home","value":"https://www.shell.com.au/"},{"name":"Motorists","value":"https://www.shell.com.au/motorists.html"},{"name":"Go Well Content Hub","value":"https://www.shell.com.au/motorists/go-well-content-hub.html"},{"name":"How can I reduce my car insurance premiums?","value":"https://www.shell.com.au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums.html"}]},"id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/footer/breadcrumb"},{"organism":"Container.Raw","ref":"https://www.shell.com.au/_jcr_content/root/footer/inherited.model.json","id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/footer/inherited","model":{}}],"id":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums/jcr_content/root/footer","model":{}}],"id":"/conf/shell/settings/wcm/templates/base/structure/jcr_content/root","model":{}}],"model":{"title":"How can I reduce my car insurance premiums?","text":"Want to save on your car insurance in the new financial year? Here are our top 10 tips.","date":"2023-06-15T14:08:00.000Z","links":[{"name":"canonical","value":"https://www.shell.com.au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums.html"},{"name":"errorUrl","value":"https://www.shell.com.au/error.html"},{"name":"hierarchy","value":"en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums"},{"name":"homeTitle","value":"Shell Australia"},{"name":"homeUrl","value":"https://www.shell.com.au/"},{"name":"locale","value":"en-AU"},{"name":"title","value":"How can I reduce my car insurance premiums? | Shell Australia"},{"name":"textDirection","value":"ltr"},{"name":"template","value":"base"},{"name":"contentPath","value":"/content/shell/countries/australia/en_au/motorists/go-well-content-hub/how-can-i-reduce-my-car-insurance-premiums"},{"name":"externalDisclaimerText","value":"Shell plc Legal Disclaimer\r\nYou are now leaving the Shell website.\r\nThe link you have selected will direct you to a website that is not controlled by Shell plc or any member of the Shell Group. 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