There are many factors which affects the price of the Car Insurance Quotes you get in Australia. Assuming you stay with the same insurance company, there are two ways to reduce the cost of your car insurance; become a better driver or get a policy with fewer features. If you have a bad rating, becoming a better driver takes time, just ensure you don’t make any claims for as long as you can. But you can change the features of your policy by either making adjustments to your current insurance or change companies next time it is due.
It amazes me how many people get an insurance policy and have no idea what it covers. Some people get way over insured in terms of features whilst others make the mistake of not having enough cover. There are more than 80 companies selling car insurance in Australia offering no frills cover, standard cover and compete cover. You should have no problem getting the features you need and not paying for the ones you don’t. Some features include; rental car, recovery & towing, personal effects, trailer damage, emergency accommodation and/or transport, baby seat cover and replacement keys.
The more features you have as part of your cover, the more your car insurance will cost. If you don’t have a baby then why should you pay for baby seat cover? You shouldn’t, so don’t. Have you ever used a trailer? Do you need a rental car or could you take transport or borrow one? These are the questions you need to ask yourself when getting car insurance.
Write down a list of features you need then find insurance policies that include those features. It is better to be over insured than not have enough cover. All this detail is contained in the Product Disclosure Statement (PDS) which can be found at the company’s website. There are also websites where you can compare policies at the touch of a few buttons. Once you have a list of companies, you just need to get some quotes and find the cheapest. A good tip is not to compare more than 1 policy from each underwriter (Allianz, CGU, Suncorp, AAMI, GIO, Budget) as you are comparing very similar if not the same products and will be a waste of time.
Spending a bit of time comparing the right features of a policy and not paying for what you don’t need is a great start to getting better car insurance. Once you have determined the features you want all you need to do to save potentially $100s is go and compare the car insurance quotes your preferred companies provide.
For more information regarding Car Insurance Quotes, please visit www.Quotemywheels.com.au |
