How to save on car insurance in 2020
Everybody loves a bargain, whether it’s scoring a new outfit on sale or saving money on car insurance.
So, if your policy is due for renewal or you’re looking to spring clean your budget, here’s a round-up of some of the latest car insurance incentives on the market in September.
COVID-19 discounts
A handful of providers are offering significant discounts to customers facing financial difficulty as a result of the pandemic.
Suncorp Group – which includes GIO, Apia, AAMI and Suncorp Insurance – is offering existing affected customers discounts of up to 20% and three-month premium waivers, as well as lowered premiums for reduced car usage and no fees for policy cancelations.
Youi is promising 15% cashback on premiums for a three-month period to all new and existing customers who are driving less as a result of COVID-19. In June, this offer was extended for a further three months with a 10% discount.
Free roadside assistance offers
Roadside assistance is regularly an optional extra in car insurance policies, so take advantage of these offers if you’re eligible.
AAMI has offered free roadside assistance to all emergency service workers until December 31, 2020, whether or not they are AAMI customers. Other new customers considering comprehensive car insurance with AAMI can also score a year of free roadside assistance if they take out a policy before 30 June, 2021.
Gift voucher incentives
It may sound a little unconventional, but many insurers will offer customers gift cards in place of cash-back discounts. If you take out Virgin Money’s Comprehensive Car Insurance before 30 September, you’ll receive a $100 virtual gift card.
QBE is also offering a $25 gift card when you take out their compulsory third party (CTP) insurance until 31 August – get in quick to lock-in this perk during spring. Since every car needs this type of cover to get registered and on the road, it’s a fun bonus to spend at supermarkets and selected retailers.
Point rewards programs
If you look for a little icing on top of your car insurance policy (and let’s admit it, they can be pretty bland), you might be on the lookout for a way to gain extra frequent flyer points. If you join or switch to Qantas Car Insurance, you can score up to 20,000 Qantas Points. You’ll also receive one Qantas point for every dollar you spend on your premium.
Buy online car insurance discounts
Many insurers offer a discount on the first year of premiums when customers apply or buy a policy online. Below are some of the offers available throughout September.
| Provider | Online discount | Conditions |
|---|---|---|
| AAMI | $50 discount plus 1 year free roadside assistance | Only for Comprehensive Car Insurance, offer ends 30 June 2021 |
| Allianz | 15% | Only for Comprehensive Car Insurance, not including optional cover |
| Apia | 5% | Only for Comprehensive Car Insurance |
| Budget Direct | 15% | Available across all policies |
| Coles Car Insurance | 10% | Available across all policies |
| GIO | 10% | Only for Comprehensive Car Insurance. |
| HSBC | 10% | Only for Comprehensive Car Insurance |
| Real Insurance | 10% | For all cover types, but drivers under 25 only get a 5% discount |
| Suncorp Insurance | $50 discount | Comprehensive Car Insurance ($20 discount for Third Party and Third Party Fire & Theft |
| Virgin Money | 15% | Available across all policies |
| Woolworths Car Insurance | 15% | Only for comprehensive cover, and drivers under 25 can only get a 10% discount |
Compare car insurance policies
Loading SVG...Comprehensive Car Insurance
Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.
- Monthly premiums
- Yes Costs Extra
- Choice of repairer
- Optional Extra
- Choice of excess
- $400 - $2,500
- Agreed or market value
- Agreed Or Market
Available discounts
Comprehensive Car Insurance
Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.
- New car if written off
- Yes - within 2 years and a listed driver is the first registered owner
- Rental car after theft
- Yes - Up to 14 days.
- Rental car after accident
- Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
- Windscreen cover
- Yes - standard excess. Option to reduce windscreen excess to $50 for an additional premium.
- Modifications
- Covered only if agreed in writing.
- Young driver excess imposed
- Unlisted and aged 25 and over: $700, Unlisted and aged under 25: $2,000, Listed and aged under 25: $600
- Roadside assistance
- Yes
- Other benefits
- -
- Other restrictions
- -
- States where offered
- SA VIC TAS NSW ACT QLD WA
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about Youi car insurances
Comprehensive Car Insurance
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Repair guarantee. Save $75 when you apply online.
- Monthly premiums
- Yes Costs Extra
- Choice of repairer
- Optional Extra
- Choice of excess
- $500 - $2,300
- Agreed or market value
- Agreed Or Market
Available discounts
- Online Discount $75
Comprehensive Car Insurance
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Repair guarantee. Save $75 when you apply online.
- New car if written off
- Yes - within 3 years and 60,000 km of original registration
- Rental car after theft
- Yes - Up to 14 days.
- Rental car after accident
- Not at fault - yes. At fault - Optional Extra. Up to 14 days.
- Windscreen cover
- Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
- Modifications
- Automatically covered.
- Young driver excess imposed
- $700 for listed drivers under 25, $2,000 for unlisted drivers under 25.
- Roadside assistance
- No
- Other benefits
- -
- Other restrictions
- -
- States where offered
- SA VIC NT TAS NSW ACT QLD WA
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about QBE car insurances
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Gold Comprehensive Car Insurance
Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.
- Monthly premiums
- Yes Costs Extra
- Choice of repairer
- Optional Extra
- Choice of excess
- $550 - $1,900 (varies By State)
- Agreed or market value
- Agreed Or Market
Available discounts
- No Claim Discount
- Online Discount 15%
Gold Comprehensive Car Insurance
Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.
- New car if written off
- Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first
- Rental car after theft
- Yes - Up to 14 days, max $1,000 total.
- Rental car after accident
- Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.
- Windscreen cover
- Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
- Modifications
- Covered only if agreed in writing.
- Young driver excess imposed
- $600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers.
- Roadside assistance
- Optional Extra
- Other benefits
- -
- Other restrictions
- -
- States where offered
- SA VIC TAS NSW ACT QLD WA
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about Budget Direct car insurances
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Comprehensive Car Insurance
ROLLiN’ offers affordable monthly comprehensive car insurance with its favourite extras included. No additional excess for young drivers, lodge a claim 24/7 and zero cancellation fees. Hire car is included up to $80 per day for up to 21 days; cover for one tow to our nearest authorised repairer, following a covered incident. No excess on your first covered windscreen, sunroof, and window glass damage once per insurance period. List multiple cars and drivers under the one policy as long as they fit the underwriting criteria (excludes Safe ’n Save policies).
- Monthly premiums
- Yes
- Choice of repairer
- No
- Choice of excess
- $800 Flat Excess Fee
- Agreed or market value
- Agreed
Available discounts
- Get 10% Off The Base Premium For The First 2 Consecutive Monthly Policies And Up To A 15% Potential Monthly Discount From Your 3rd Month For Being A Safer Driver. Minimum Premiums May Apply. T&Cs Apply.
Comprehensive Car Insurance
ROLLiN’ offers affordable monthly comprehensive car insurance with its favourite extras included. No additional excess for young drivers, lodge a claim 24/7 and zero cancellation fees. Hire car is included up to $80 per day for up to 21 days; cover for one tow to our nearest authorised repairer, following a covered incident. No excess on your first covered windscreen, sunroof, and window glass damage once per insurance period. List multiple cars and drivers under the one policy as long as they fit the underwriting criteria (excludes Safe ’n Save policies).
- New car if written off
- Yes - within 15,000km of original registration
- Rental car after theft
- Yes - Up to 21 days, max $80 per day after a covered event
- Rental car after accident
- Yes - Up to 21 days, max $80 per day after a covered event
- Windscreen cover
- Yes - one claim can be made per Insurance Period, with $0 windscreen excess
- Modifications
- Covered only if agreed in writing.
- Young driver excess imposed
- No additional excess for young drivers. $3,000 for unlisted drivers
- Roadside assistance
- No
- Other benefits
- Optional benefit to boost the Single Car Value by 15%, it will be shown on your Insurance Certificate
- Other restrictions
- -
- States where offered
- SA VIC NT TAS NSW ACT QLD WA
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Read reviews and learn more about ROLLiN' car insurances
Other ways to cut car-related costs
- Ask for a better deal on your car insurance premium
Mozo’s research has shown haggling down your car insurance can save you as much as a 20% discount on your premium. If you’re not sure how to demand a better deal, prepare yourself with our hot haggling tips before you get on the blower to your provider. If your insurer won’t play ball, consider switching providers.
- Opt for pay-as-you-drive insurance
Not driving as much as the pre-lockdown days? It might be time to consider pay-as-you-drive car insurance. This is essentially what it says on the tin: a policy priced to reflect how often you drive. If you think you’ll be driving less in the foreseeable future and can stick to your estimated kilometerage (which you’ll need to settle on when taking out a policy), you could be saving big bucks.
- Shop around for petrol
This may sound like an obvious one, but in the hubbub of metropolitan roads or busy commutes, it’s all too easy to pull up alongside a pump for convenience sake. Instead of making a mad dash to the bowzer running on fumes, plan ahead with apps like Fuel Check or Petrol Spy . These let you compare petrol prices in your area at a glance, and provide details to ensure servos have the kind of fuel you're after.
Looking to save more across your family’s insurance policies? Seek out multi-policy discounts using Mozo’s home insurance comparison tool.
* Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
^See information about the Mozo Experts Choice Car Insurance Awards