{"id":643,"date":"2020-04-02T09:46:00","date_gmt":"2020-04-02T09:46:00","guid":{"rendered":"https:\/\/www.carbar.com.au\/blog\/?p=643"},"modified":"2023-12-05T11:45:17","modified_gmt":"2023-12-05T00:45:17","slug":"why-your-insurance-is-going-to-hurt-in-2020","status":"publish","type":"post","link":"https:\/\/carbar.com.au\/blog\/why-your-insurance-is-going-to-hurt-in-2020","title":{"rendered":"Why Your Insurance is Going to Hurt in 2020"},"content":{"rendered":"\n<p>It\u2019s never been a worse time to be in the market for a new insurance policy. The amount Australians are spending on comprehensive insurance per year has risen sharply over the last several decades, nearly tripling in the last 20 years. If you\u2019re a young driver, you\u2019ve only ever lived in a time of rising insurance costs \u2013 between 1999 and 2016 the average annual premium shot from<a href=\"https:\/\/www.abs.gov.au\/AUSSTATS\/abs@.nsf\/DetailsPage\/6535.01998-99?OpenDocument\"> $405<\/a> to<a href=\"https:\/\/www.aaa.asn.au\/wp-content\/uploads\/2018\/03\/AAA-Affordability-Index_Q3-2016.pdf\"> $1163<\/a>.&nbsp;<\/p>\n\n\n\n<p>That\u2019s not the end of it \u2013 that growth has continued over the last few years, with annual costs rising to a whopping<a href=\"https:\/\/www.aaa.asn.au\/wp-content\/uploads\/2019\/08\/AAA-Affordability-Index_Q2-2019.pdf\"> $1253<\/a> by the end of 2019. Since 2016, the cost of car insurance has risen more than 2.5% every year, while for comparison wages have only grown on average<a href=\"https:\/\/www.abs.gov.au\/ausstats\/abs@.nsf\/mf\/6345.0\"> 2.1% per annum<\/a> over the same period. In real terms, this means most Australians have less money left over after paying their insurance premiums than they did three years ago.<\/p>\n\n\n\n<p>If you haven\u2019t moved, haven\u2019t changed cars, haven\u2019t added a new driver and haven\u2019t gotten into an accident, what gives? Why are you paying more each year for the same insurance policy? In a nutshell, it\u2019s because your premiums are linked to how much it costs your insurance company to cover all of its clients \u2013 not just you. Industry and societal changes can mean that your trusty ride of five-plus years is costing you more and more to insure, even as it gets older.<\/p>\n\n\n\n<p>An example: New technology in vehicles combined with lower cost entry level models for luxury brands has led to a<a href=\"https:\/\/www.afr.com\/companies\/iag-ceo-peter-harmer-says-new-car-repair-costs-are-exorbitant-20170823-gy2me0\"> rise in the cost of repairing the average Australian car<\/a>. These rising repair costs end up being passed on by the insurance company to their clients in the form of higher premiums, allowing them to meet the expense of getting these vehicles repaired.&nbsp;&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">On this page:<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/carbar.com.au\/blog\/why-your-insurance-is-going-to-hurt-in-2020\/#What_you_can_do_about_it\" >What you can do about it<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/carbar.com.au\/blog\/why-your-insurance-is-going-to-hurt-in-2020\/#A_more_permanent_solution\" >A more permanent solution<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_you_can_do_about_it\"><\/span><strong>What you can do about it<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Of course, those numbers are just averages \u2013 and averages can be beaten. There are tonnes of ways that you can reduce your insurance premiums, especially if you\u2019ve just been renewing the same policy for several years.<\/p>\n\n\n\n<p>First things first, talk to your insurer. Some insurers offer loyalty and safe-driving discounts for clients who have been with the company for a certain period of time and not made a claim in several years. These discounts can often shave a significant percentage off your renewal, putting money back in your pocket.<\/p>\n\n\n\n<p>Second, think about how your circumstances have changed since you took out your policy. Some questions to ask yourself:<\/p>\n\n\n\n<p>\u00b7 Do you need to cover a driver under 25 years of age on your plan anymore \u2013 if your adult child has moved out of home, you may be able to shift them onto their own plan.<\/p>\n\n\n\n<p>\u00b7 Do you need a $0 excess? Accepting some cost in the event of a claim \u2013 such as $500 \u2013 could end up saving you more on premiums over the long run.<\/p>\n\n\n\n<p>\u00b7 Do you need to drive so much? Some insurers offer discounts for drivers who use their car less than average, reducing their risk of an accident.<\/p>\n\n\n\n<p>Finally, if none of that works, it might be time to look elsewhere. Many insurers offer competitive bonuses for switching, even more so if you bundle your insurance. This might be the time to take a look at all of your policies and consider bringing them under one roof.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"A_more_permanent_solution\"><\/span><strong>A more permanent solution<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>But what if you\u2019re already doing all you can? Let\u2019s be honest, choosing a higher excess might save you money every month on your premiums, but it\u2019ll come back with a vengeance when you have a bingle. And if you do need to cover a younger driver and you do use your car every day, what then?<\/p>\n\n\n\n<p>What if you could just pay one low weekly fee for a car with registration, servicing, roadside assistance and comprehensive insurance, forever? No tense negotiations with your insurer, no endlessly comparing policies \u2013 just one payment every week at a rate you can predict months in advance.<\/p>\n\n\n\n<p>It\u2019s all a part of a Carbar car subscription. Our no dramas service gives you exclusive access to the car of your choice for as long as you want, with roadside assistance, registration, servicing and \u2013 yes \u2013 insurance bundled together.<\/p>\n\n\n\n<p>To learn more about car subscription, browse our range of vehicles or join for free, visit <a href=\"https:\/\/www.carbar.com.au\/\">carbar.com.au <\/a>today.&nbsp;<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s never been a worse time to be in the market for a new insurance policy. The amount Australians are spending on comprehensive insurance per year has risen sharply over\u2026<\/p>\n","protected":false},"author":2,"featured_media":645,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[104,103],"tags":[],"class_list":["post-643","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dollars-sense","category-wheel-talk"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why Your Insurance is Going to Hurt in 2020 &#8211; carbar Blog<\/title>\n<meta name=\"description\" content=\"Learn about the factors affecting your insurance costs in 2020 and how to navigate changes to minimise their impact on your budget.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/carbar.com.au\/blog\/why-your-insurance-is-going-to-hurt-in-2020\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Your Insurance is Going to Hurt in 2020 &#8211; 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