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Buying a car

6 ways to save on car insurance

11 October 2017

A car insurance policy can help to provide you and your car with cover when you're on the road, but it doesn't have to cost you the earth to do so. You can make great savings on your car insurance premium in a number of simple ways. Explore 6 of these ways below.

1. Buy car insurance online and save

With Suncorp Comprehensive Car Insurance you can get a $50 discount when you purchase your policy online. And with three levels of cover to choose from, you can choose what suits you and your budget best.

If you're looking for a more basic level of car insurance cover, Suncorp's Third Party Car Insurance offers a $20 discount when you purchase online. So if you'd like the reassurance of knowing you're covered for liability for loss or damage your car causes to another person's vehicle or property, third party cover might be right for you^.

2. Adjust your excess and save

With Suncorp Comprehensive Car Insurance, you can reduce your premium by choosing a higher excess. The range of voluntary excess offered is between $100 and $900, and choosing a higher excess can help reduce your premium.

3. Drive less and save

If you commute to work via public transport or bicycle, only use your car a couple of days a week, or only have to drive to the next suburb for work, then chances are you'll drive fewer than 10,000km a year. If this is the case, you may be eligible for a reduced premium with Suncorp Comprehensive Car Insurance. After all, you're going to be on the road a lot less, so why should you pay the same as everyone else?

4. Keep it in the family and save

If you're under 25 years old and your parent also has Suncorp Comprehensive Car Insurance, you can receive 10% off your own comprehensive premium. Although, this means you have to deal with being "car insurance buddies" with your mum or dad, saving on your premium probably makes it worth it.

5. Drive safely and save

A safer road is a better road for all drivers. And Suncorp Insurance believes safe drivers should be rewarded. With Claims Free Driver Rewards, each year you continuously insure your car with us under a comprehensive policy without making an excess payable claim, we will reward you with a percentage of the rated premium as a credit on the renewal of your policy for that car. The longer you insure your car with Suncorp Comprehensive Car Insurance, the percentage of the reward increases, up to a maximum of 15%.

6. Combine and save

If you combine 3 or more paid eligible policies with Suncorp Insurance, you could qualify for a 15% multi-policy discount on each policy – it's as easy as combining your Suncorp home, contents, and car insurance.

Suncorp Insurance also offers a multipolicy discount when you combine any 3 or more eligible policies with us. Since you have to buy CTP as part of your rego anyway, make it a Suncorp Insurance policy to take advantage of the savings*.

If it's important to you, it matters to us, and we know that saving is one of those things. Every dollar you save on your car insurance policy can be put toward the fun things in life, like saving for a holiday. Get a Suncorp Car Insurance quote online now and cover you and your car from the unexpected. If you'd like to find out more about how you can save with Suncorp, call us today on 13 11 55.


Insurance is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Please read the relevant Product Disclosure Statement before making any decision regarding this product.

^ Third Party Car Insurance is an optional insurance policy which provides cover for damage to other people's property. This product is not a Compulsory Third Party (CTP) or green slip insurance which is compulsory insurance.

* Combine any 3 or more eligible policies with Suncorp Insurance and we’ll give you a 15% Multi Policy Discount. Eligible policies are Suncorp Home, Contents, Landlord, Car, Motorcycle, Caravan (including trailer), Motorhome and Boat. Suncorp CTP counts as an eligible policy, but can’t be discounted due to Queensland legislation. Comprehensive Car Insurance counts as an eligible policy, but the discount does not apply to the Suncorp Roadside Assist optional cover.