Step-by-step comparisons of renewal notices and new quotes, excess choices, no claim bonus, monthly payments and switching.
A renewal notice is the moment most drivers look at car insurance, and the headline premium is the number that gets compared. That number alone can mislead. Two quotes for comprehensive cover can differ in excess, agreed or market value, listed drivers, hire car terms and whether storm damage is covered in the first days of a new policy.
This section works through comparisons with the arithmetic shown: renewal against new quotes, a higher or lower excess, protecting a no claim bonus, paying monthly or annually, young drivers and switching mid-term. Where your state lets you choose a CTP insurer (NSW, Queensland, South Australia and the ACT), there is a guide on comparing CTP prices too.
Begin with the car insurance renewal checklist, then use the quote comparison tool and the cover level comparison with your own figures. All example premiums on this site are illustrative and chosen to make the maths easy to follow.
Worked quotes and renewal checklists
A step-by-step car insurance renewal checklist for Australia: rego and CTP, checking your renewal notice, comparing quotes like for like, switching and paying.
Worked quotes and renewal checklists
The types of car insurance excess in Australia, how they stack in a claim, a break-even calculation for choosing a higher excess and when the excess is waived.
Worked quotes and renewal checklists
Where you can choose your CTP insurer in Australia, how NSW Green Slip prices vary, how to compare in Queensland, South Australia and the ACT, and what stays the same.
Worked quotes and renewal checklists
How Australian car insurance no claim bonuses and ratings work, what an at-fault claim can cost over several years, NCB protection, lifetime rating 1 and transferring your rating.
Worked quotes and renewal checklists
Work out what paying Australian car insurance by monthly instalments costs compared with paying annually, the implied interest rate and the risk of missed payments.
Worked quotes and renewal checklists
A full worked example comparing an Australian car insurance renewal with two new comprehensive quotes, adjusting for excess, agreed value, extras and a claim.
Worked quotes and renewal checklists
How to switch car insurance in Australia before renewal, how pro-rata refunds and cancellation fees work, storm waiting periods and the order of steps to avoid a gap.
Worked quotes and renewal checklists
How car insurance works for learner and provisional drivers in Australia, with age and inexperienced driver excesses, listing vs not listing, and a worked comparison.
