When comparing insurance excesses, check both the basic excess and any additional excesses that could apply, such as for inexperienced drivers or specific claims. A higher excess may reduce the premium, but it means paying more yourself if you make a claim, while a lower excess can increase the premium. Compare the total policy cost, inclusions, exclusions, limits and claim conditions rather than focusing on the excess alone. Ask the insurer for a personalised quote and read the Product Disclosure Statement before choosing cover.