5 ways to lower your car insurance premium without losing cover
Practical changes that can reduce what you pay each month, without leaving you exposed.
Qina Advisory team
June 2026
Car insurance is one of the biggest monthly costs for many households. These are the changes that usually make the biggest difference.
1. Check your insured value
Cars lose value every year. Make sure you’re insured for the right value, usually retail or market value, and not an outdated amount.
2. Review your excess
A slightly higher voluntary excess can lower your premium, as long as it’s an amount you could pay if you had to claim.
3. Update where you park and how far you drive
Secure overnight parking, lower mileage and working from home can all reduce your risk profile.
4. Bundle your policies
Combining car, home and contents with one insurer often unlocks a multi-policy discount.
5. Compare every year
Insurers change their pricing constantly. An annual comparison through a broker takes minutes and can save you thousands.
Want advice for your situation? A Qina adviser can walk you through your options, free of charge.
This article is general information and not financial advice. Product features, limits and legislation may change.