With energy prices rising, switch to a cheaper plan
Compare Prices Now

Car insurance deals and discounts

Check out the latest car insurance deals and discounts and save more on your car insurance.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Many car insurance companies offer various deals like discounts on first year premium, gift cards, and saving money when you buy a new insurance policy.

But in addition to this, there are other ways in getting good deals on your car insurance.

We've included some tips on how you can save money on car insurance plus traps and tricks to watch out for in our guide.

Car insurance deals currently available


15% online discount on car insurance

Receive 15% off car insurance when you purchase cover online.

Earn up to 20,000 Qantas Points with Qantas Car Insurance

Earn up to 20,000 points just for joining. Points based on your premium after 60 days. T&Cs and eligibility apply.

Up to 15% off when you purchase a new car insurance policy.

5% off car insurance for the first year. ahm and Medibank health members receive an additional 10% off, which applies every subsequent year. T&Cs apply.

Free Roadside Assistance

Expires 30 Jun 2022
Get free roadside assistance* for 12 months when you sign up by 30 June. T&Cs apply.

Save 10% + Collect double flybuys points

Get 10% off when you buy online plus collect double flybuys points at Coles supermarkets when you take out a Coles car insurance policy (excluding third party). T&Cs apply.

Save up to 15% on Woolworths Car Insurance

Buy online and save up to 15%. T&C's apply.

Woolworths Comprehensive Car Insurance Price Beat - Over 25 Only

Get a quote and if you're 25 or over and if it is not cheaper than your current comparable renewal notice, Woolworths will beat it. T&C's apply.

Save $75 on new Comprehensive Car Insurance

Buy online and save up to $75. Terms & Conditions apply.

Important note: Many of the discounts on this page, such as online signup discounts, are only available with comprehensive car insurance policies.

What kinds of discounts can I get?

To better understand the discounts available, it helps to know some of the conditions which may apply.

No-claims bonus (NCB): The longer you go without making a claim, the more of a discount you get on premiums.
  • The maximum discount is typically reached after five or six years. The exact discount varies, and not all insurers disclose precisely how it works.
  • This discount is typically transferred across when switching car insurance policies, even if you change to a new insurer.
  • Some insurers may have options to preserve your no-claims discount for a limited number of claims per year, or in situations such as no-fault claims, or for storm damage.

Online discounts: There are some very substantial discounts for buying policies online.

  • These are typically only available with comprehensive car insurance.
  • The discounted prices are usually relative to what you would have been quoted over the phone.
  • A time limit usually applies, such as only getting the discount for the first 12 months of the policy.

Multi-policy discounts: Many of the more diverse insurers will give existing customers discounts on additional policies.

  • This is typically only available with larger insurers that offer a variety of different types of insurance.
  • Multi-car discounts let you cost-effectively insure multiple vehicles with the same insurer, and receive a discount for already being a customer.
Restricted driver discounts: These limit who can drive your car to receive discounts on car insurance.
  • You can get lower premiums, but will not be covered or may have to pay an additional excess in the event of a claim, if the car was being driven by an unapproved driver at the time.
  • This type of discount is not available with all insurers, or with all policies.

Variable excess: Some, but not all, insurers offer the choice of lowering or raising your excess. This can have a major impact on premiums, but will also affect your costs in the event of a claim.

  • A higher excess means lower premiums. A lower excess means higher premiums.
  • A flexible excess means you can choose your own amount, to adjust your premiums.
  • A variable excess means not only can you choose your own amount, but can also adjust this later to manage your policy costs.

What other car insurance discounts should I look for?

The online discount, no claims bonus, and restricted driver or variable excess options are some of the key ways you can save money on car insurance. You can lower costs even further by looking for some other commonly available bonuses and discounts, such as:

  • Driver safety courses. Some insurers offer discounts if you undertake a driver safety, or driving skills course. Sometimes this is only for less experienced drivers, while other insurers open it up to everyone.
  • Membership or loyalty bonuses. Multi-policy discounts reward you when you sign up, while membership and loyalty bonuses reward you for staying with the company. These can take the form of increasing discounts based on how long you’ve been with the insurer, periodic rewards, or miscellaneous discounts on other items.
  • Car security discounts. The likelihood of you needing to make a claim has a significant impact on your car insurance prices. Some insurers will therefore recognise car security systems, such alarms or microdotting, and offer reduced premiums if these are in place.
  • Low emissions discounts. Some types of car can earn you significant discounts simply by having reduced emissions. If you’re driving an eco-friendly car, it might be worth taking advantage of these savings.

More ways to save money on car insurance

To save even more on your insurance, bear some of these other options in mind.

  • Buy a car that’s cheaper to insure: Cars that are cheaper and easier to repair can cost less to insure. Keep prices down by buying something that’s inexpensive, safe, fuel-efficient and is a common make in Australia.
  • Pay premiums annually if possible: Insurers will generally charge more overall if you pay premiums monthly instead of one annual payment.
  • Pick a higher excess: The excess makes a substantial difference to your premiums, and it’s often worth adjusting to take advantage of the savings.
  • Nominate drivers: Specify exactly who is allowed to drive your car, and prevent anyone else from getting behind the wheel. This can go a long way to keeping premiums down.
  • Park safely: Many insurers will offer lower prices for a car that is kept under a carport rather than on the street, and lower prices still when it is kept in a secure, lockable garage.
  • Pick extras carefully: Where possible choose a policy that gives you the flexibility to drop features you don’t need, and get the ones that are important to you.

Traps and tricks to watch out for

Discounts can help you save a significant amount of money, but their main purpose is to bring in new customers. With car insurance being such a competitive area, it’s important to watch out for some of the pitfalls and tricks you might encounter while bargain hunting.

Read the terms and conditions: Go through these carefully and pay extra attention to those related to discounts. Be aware of:

  • Eligibility. There will typically be some key requirements to fulfil before you can get discounts. In the case of online discounts, for example, a key requirement is naturally that you must sign up online. There might be age requirements, policy requirements or other variations to be aware of.
  • Time limits: Some deals may only apply for a limited period of time. There’s a big difference between getting 10% off for one year and getting it for two years.
  • Exclusions: As with the policies themselves, exclusions can also apply to discounts. Customers who are already earning certain discounts are often excluded from any more, and other exclusions may also apply.

Other traps to be wary of:

  • Rising premiums: Getting 25% off car insurance is nice, but you’re not saving any money if the insurer raises your premiums by 26% as soon as you sign up. For general car insurance, insurers are more or less able to set their prices as desired, and change them without notice. This can be countered by frequently comparing policies, or by contacting your insurers when prices go up to ask why.
  • Hidden costs: Free doesn’t always mean it won’t cost anything. The free tablet from Dodo car insurance, for example, requires that you either pick it up in person or pay a $24.90 delivery fee. In this case it’s a fairly reasonable expense, but it may not always be so. Watch out for any costs hidden in the fine print.
  • Costs as part of the excess: Sometimes a deal might result in additional excess costs. For example, if you make a claim under the Woolworths Drive Less Pay Less program, but have exceeded your chosen distance for the policy period, then the claim will incur an additional excess. Look at additional excess costs, and ask yourself whether you’re likely to be able to pay them.

To reduce costs you might also consider third party only car insurance, or third party insurance with fire and theft cover, but should be aware that not all discounts will be available.

Compare the latest car insurance discounts and deals

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

4 Responses

  1. Default Gravatar
    RenelFebruary 16, 2022

    I’m looking for apartment insurance.

    • Avatarfinder Customer Care
      JamesFebruary 24, 2022Staff

      Hi Renel,

      I understand you are looking for insurance for your apartment. If so, here are some guides to help you out:

      Home and contents insurance
      Strata Insurance



  2. Default Gravatar
    HiteshOctober 4, 2018

    Hi, I am here in Perth for a year on a short-term work visa and I’m planning to buy a Car. can I get a car insurance on my Indian driving license?

    • Default Gravatar
      NikkiOctober 5, 2018

      Hi Hitesh,

      Thanks for your inquiry and for visiting Finder.

      Generally, you would need an international driver’s license but be sure to check with insurers individually to see if you can be insured. Here is a helpful read about car insurance for Australian visitors.

      As a friendly reminder, be sure to check out the product disclosure statement of the card before applying.

      Hope this helps! For any clarifications, feel free to message us again.


Go to site