Car Insurance WA

Insurance in Western Australia

When an insurer designs their car insurance policies and premiums, they take many things into consideration. The first thing you should know as a driver seeking car insurance is that no two policies are the same. There are thousands of policies and each has a variety of cover that affects your premium. One such point is location.

Real estate agents talk about location, location, location. Well, in a way, the same rule or factor applies to car insurance. There are far more people and thus more car drivers in New South Wales then there are in Western Australia. More drivers and more cars mean a greater likelihood of an accident or theft. Therefore, generally speaking, car insurance premiums in the West are lower than in Australia’s most populated state. It’s not the geographical size of the state but rather the number of drivers.

Distance is no problem

Many car insurers based in Western Australia have a number of branches in various cities throughout the state but all are easily contactable by phone or online. In fact the online capabilities of car insurers, particularly with such vast distances in the West, means car owners can do business at a time that suits them. Many companies offer online services for quotes, making claims and adjusting their policies.

Shop locally

If you take the time to compare car insurance quotes you’ll notice just how many variables there are to consider. The basics include such things as the age and experience of the driver, their driving record and history of claims if any, not to mention a series of questions about the vehicle to be insured. So it’s a given that car insurance can be detailed. Insurers want to offer competitive rates but to do so they need a lot of information.

Local conditions are relevant. Insurers in Western Australia know about the distances some people choose to drive. They know about roads, weather conditions and the like. This is all the more reason why shopping locally is in your best interests. Local insurers are able to tailor your policy to meet the local conditions. There is plenty of competition within the local insurance market so don’t hesitate to shop around and compare what is on offer.

One can’t over emphasize the feeling and confidence a driver has when they know they have the right cover for their vehicle and at a competitive price. Comprehensive cover is vital for peace of mind with all the driving that many people do which increases the risk of an accident. Most accidents are just that, something happens which nobody was expecting.

Safe driving is your best protection but having peace of mind is also invaluable. That’s the peace of mind which comes from knowing you have appropriate insurance for your vehicle because of your sensible and reasonably priced policy.