Been with Shannons for 3 years. They know my car and what it is and how its looked after.
 
My premium is less than $1000 and is insured nearly $15,000 more than any other company would.
 
Anyone quoting company A is cheaper than B should look at what the payout figure is , i.e sum agreed .
 
Thats when it could look cheaper.
 
I entertained Youi as i was sick of their adds. In garage , only driven week ends and they would cost more than shannons firstly and value was $20,000 less than shannons, thats even before quoting any of the modifications.
 
Shannons for me

I made the switch to Youi from Just Car last November. The reason for this was although Youi worked out about $150 dearer per year, but the excess was $1200 less than Just Car. With Youi I'm paying $2000pa with a $2000 excess whereas Just Car was $1850pa with $3200 excess. 

The only thing you can do with insurance is get a quote of every one and then compare them.
I changed from Just Cars to RACV on my Stagea about a year ago because Just Cars premium went up a bit more than I thought was reasonable and I have never made a claim. I was very surprised that RACV actually did cover it let alone be cheaper and at a higher market value.
 
I have my F350 insured with Shannons and was only around $140. There was only around $6 difference between 3rd party and full comp. Got to love club reg