You have probably noticed that your car insurance premiums are rising, but don't worry we have discovered a number of ways to help you save!

1. Firstly, make sure you have a brief understanding of how car insurance is priced. Generally the insurers look at a variety of your characteristics including:
   • Age
   • How long you have held a license
   • Driving history – Fines, suspensions
   • Insurance history – Claims
   • Who else drives the vehicle
   • Age/model of vehicle
   • Modifications
   • Where the car is kept
   • Frequency of car theft in your suburb
2. Shop Around – Using Artog's Cost Comparison Tool will help you save.
3. Buy Online – Purchasing your policy online can lead to discounts of up to 5%.
4. Install anti theft devices – Having a car alarm installed should lead to a discount.
5. Restrict the number of other drivers – Including just 1 or 2 insured drivers on the policy can provide discounts of up to 25%.
6. Restrict the age of other drivers – Premiums are lower for drivers that are older than 25 years old.
7. Young drivers can reduce their insurance premiums by:
   • Selecting cars better suited to their experience (4 cylinders with few or no modifications).
   • Taking part in defensive or skilled driving courses which can provide discounts of up to 10%.
8. Drive less – If using your vehicle for less than 10,000 km per year some insurers will offer you a discount.
9. Protect your no claim bonus – Driving safely for up to 6 years can entitle you to a maximum discount of up to 60 – 70%.
10. Increase your excess – For example, raising the excess from $400 to $600 can reduce your premium by up to 30%. But make sure you choose an excess you can afford.
11. Market value – Accepting market value instead of agreed value usually provides a discount.
12. Bundle your insurances – Insure more than 1 car with the same car insurer or combine your home and contents insurance policy with the same insurance provider.
13. Choose wisely – Cars with a higher likelihood of theft and performance cars are more expensive to insure, while newer cars may be eligible for discounts.