Thought id give this one a bit of a bump up the top. Need a bit of advice or guidance on whats the best thing to do. since mine is up for renewal in april, i have started searching around. i've decided to go for the high excess to bring my annual premium down a bit. Justcar : $734 ($1,700 excess & Rating 1 protection. Agreed value $19,250) Suncorp: $657.70 ($2,100 excess, glass cover , Agreed value $18,000) AI insurance: $857 ($1800 excess, windscreen cover) (based on a 26 y/o with no accident history) the thing is, the car is completely standard, no modifications. and i don't intend to do any modifications within the next few years. is it best to change over to someone like suncorp with the lower premiums and the glass cover? Justcars dont have any real benefit to me as the car is unmodified. the only thing that they have going for them is the higher agreed value. but with the way these cars are depreciating is it worth spending the extra bucks for a higher agreed value?