Choose a higher excess.
Higher excesses of up to $750 per person and up to $1500 per couple/family will be available. Choosing a higher excess will reduce your premium.
Get an U30s discount.
For every year you're under 30, funds can offer a discount of 2% on your premium, up to a max of 10% for 18- to 25-year-olds. You can keep the full discount till you're 40.