RELATEDDepending on what she decides, we found she could save up to $5,300 on her household bills with a few tweaks and changes. Car insurance: the first big savingNaomi's latest car insurance renewal notices were massive: $2,700 for her EV and more than $5,200 for the ute shared by her two sons, who are currently at uni. The boys could save between $2,200 and $3,200 by switching insurers and making the same excess tweak on their ute. Naomi Cao and her sons were able to save when it camew to their car insurance. Some call it the loyalty tax, and it can quietly creep into the bills we stop questioning.