Where you live can have a big impact on the price you pay for car insurance, with drivers in some capital cities paying hundreds of dollars more for comprehensive car insurance premiums on average than others.
But no matter where you live, if you do your research, you can ensure that you are getting the best value comprehensive car insurance on the market, and you might even save yourself $1,000 in the process.
What does it cover?
Comprehensive car insurance is a common cover for motorists, which in the case of an accident, are covered for damage caused by their own car to other's property.
Under your comprehensive car insurance policy, your car will also be covered for repairs up to the value it has been insured for.
How to get the best deal
In order to get the best value comprehensive car insurance for your situation, it may be a good idea to compare quotes from a range of providers online.
Car insurance policies may vary dramatically on price depending on how you use your vehicle - for instance more on weekends than weekdays - or if your car is a hobby or classic car.
Other factors that come into play include:
- Where you park the car at night - in a garage or on a busy street
- Your age
- How frequently you drive
- Or the number of accidents you've been involved in
Of course your postcode can play a large role in the premium you pay too.
In fact, in early 2011, RateCity's Bi-annual Comprehensive Car Insurance Comparison revealed that Sydney drivers were paying the highest premiums nationally on average.
But by seeking out some of the best value comprehensive car insurance policies, some Sydney drivers were switching car insurance companies and saving as much as $1,000 in the upfront fee.
So clearly it pays to shop around before you insure your car.
Just remember to always read the car insurance provider's Product Disclosure Statement before signing up, to ensure your new policy offers an adequate level of cover for your situation.