Finding the cheapest car insurance
Please note that there is no generalization that which company gives the most competitive car insurance rate. This is because some company may specialist in Japanese car, some company may have better rates for smaller cc class.
Moreover, the rates of car insurance changes every 6 to 12 months, so it may happened that this year company A is cheap but next year renewal, company B is cheaper. Hence, my take on this just quote every year or you find someone you trust to quote several company for you every year.
Most of the time, you should get a decent good quotation after 5 companies. If you really really want to cheapest, then really have to quote all 20 over insurance company
Why my NCB increase + and now I have 5% Safe Driver Discount, but my premium is still higher then last year?
This is especially true for this year especially when there’s 2 raise in premium by almost all insurance company
Eg,
Year 2007, 40% NCB, Base premium $2000, the final premium for 2007 is $1284 {[2000 – (2000 * 40)] * 1.07} with GST.
Year 2008 50% NCB + 5% Safe Driver Discount, but the base premium is increase to $2800, the final premium for 2008 is $1348.20 {[2800 – (2800 *55)] * 1.07} with GST.
Hence you see higher renewal premium even though you have more NCB.
I never claim before why should I pay more premium (especially for those max at 55% NCB
This one I also cannot help you. Best if buying insurance is not compulsory for you then you dun need to buy. You should ask this question to your Ah Gong 
Auto Quote Example: 30-year-old male with 30% NCD for NISSAN Latio 1.5.Â
Doing a quick search online one of the cheapest is $750 and one of the more expensive of $2000.
Are you ready to own a vehicle?