When comparing insurance excesses, check the total payable for a claim, including any basic, age, inexperienced driver or special excesses that may apply. A higher excess can sometimes reduce the premium, but it means paying more yourself if you claim, so consider what you could comfortably afford. Compare policies with the same cover limits, exclusions and benefits rather than focusing on the excess alone. Ask the insurer how excesses apply in different claim situations and review the product disclosure statement before deciding.