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Home / Car Insurance / Tips On Choosing Car Insurance

Tips On Choosing Car Insurance

Choosing Car Insurance

As with any financial product you purchase, car insurance depends on your personal needs and circumstances. The best policy for you is the one that tailors to your needs, your driving lifestyle and your budget.

You don’t always save with cheap car insurance!

Car insurance does not necessarily mean the cheapest car insurance, after all the price of being underinsured may end up costing you a lot more than what you saved on the policy! Car insurance is actually one that will allow you to strike the optimal balance between your coverage needs and your budget.
 

The number 1 rule to comparing car insurance quotes

Before you start comparing quotes and crossing out the bigger numbers you need to be comparing close substitutes or like-with-like. When comparing car insurance you are comparing cover as well as price so looking at either in isolation is no good.

We're part of the iSelect group and can bring you great deals on car insurance

 

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Shop around without the ring around

  • Compare multiple premium estimates together in one go
  • Save time, save money
 

How much insurance cover is enough?

The insurance scene has changed a considerable amount over the last few decades where insurance companies no longer assume that one policy will fit all. As the minimum all drivers will have Compulsory third party insurance. Then coverage can be increased with policies that cover damage to other people’s property to Comprehensive car insurance policies that cover everything from vandalism to theft.

The type and level of cover will vary among insurers where some have tailored their policies to cater for the special driving needs of customers. There are many ways to save on and find the best car insurance, just ask yourself a few simple questions like:

  • How often do you drive?
  • Has your car been modified or performance enhanced?
  • Was your vehicle imported?
  • Are you an older driver?
  • Are you a younger driver under 26 years old?
  • Do you use your car for business or private?
  • Do you drive an eco friendly car?

These may get you thinking about what type of cover you can eliminate and what coverage you should add to your policy. More importantly it should get you thinking about the specialty car insurance providers that provide insurance especially for a type of driver.

For example ‘Pay as you drive’ insurance policies understand that some drivers may have very limited uses for their car and don’t drive it all that much thus they only charge you for insurance coverage by the kilometre. Because you are less likely to have an accident or make a claim, your policy costs may be reduced.

We're part of the iSelect group and can bring you great deals on car insurance

 

Compare Quotes

Shop around without the ring around

  • Compare multiple premium estimates together in one go
  • Save time, save money
 

 

Disclaimer
Nothing in this car insurance comparison service should be taken as constituting personal advice. It has been prepared without taking account of your objectives, financial situation or needs. Before you buy a car insurance policy you should consider whether it is right for you. Whilst policy features are listed here, it is only a summary and does not describe all policy details. Be sure to read the insurer's Financial Services Guide and Product Disclosure Statement before deciding to buy. Quotes are estimates of premiums of our participating providers. As with all insurance premiums, these are subject to underwriting and may change. See InfoChoice's Financial Service Guide. InfoChoice Pty Ltd ABN 93 061 105 735 AFSL No. 349445

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© InfoChoice Pty Ltd ABN 93 061 105 735 AFSL and Australian Credit Licence number 349445

Although we cover a range of products, providers and services we don't cover every product, provider or service available in the market. The information and products contained on this website do not constitute recommendations or suggestions to purchase or apply for any particular product. Products included on this site may not suit your personal objectives, financial situation or needs. Please consider whether it is appropriate for your circumstances, before making a decision to purchase or apply for any product. If you are considering acquiring any financial product you should obtain and read the relevant Product Disclosure Statement or other offer document prior to making an investment decision.

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