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Car insurance is one form of insurance that most motorists understand the value of, and take out. Given the ease and frequency with which accidents can happen, where just a minor bingle can cost thousands in repairs, insurance for your car makes lots of sense.
Bundling may be cheaper
But like most financial products, prices and offerings vary, so it pays to shop around for the best car insurance rates and policy inclusions. There are many insurers, and some will offer discounts if you take out a number of policies, such as insurance for car, home and life with the same company. All you have to do is ask the simple question of an insurer, “Can I get a better deal by doing all my insurance business, such as insurance for car and home, with you?”
Switching is easy
Remember too, it’s a competitive market – there are a number of car insurance brands now available in the market, so comparing car insurance quotes before renewing with your existing provider may save you money. Switching from one insurer to another can be simple. Your no claim bonus is generally 'portable' from one insurer to another, for instance.
Play it straight
Importantly, when dealing with insurance companies, including insurance for car as well as for home and contents, make sure you list everything that needs covering, and to what value.
You might also be tempted to stretch the truth about your driving record and situation in the hope of reducing the car insurance quotes you receive, but doing so can be a costly mistake. That's because your driving record is easy for insurers to subsequently check, and if inaccuracies arise when you take out a car insurance policy – or at the time of making a claim – you might find your insurer reducing the payout, or refusing to pay, in the event of a claim.
Disclaimer
This article is over two years old, last updated on March 6, 2012. While RateCity makes best efforts to update every important article regularly, the information in this piece may not be as relevant as it once was. Alternatively, please consider checking recent car insurance articles.
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Product database updated 19 Apr, 2024
Fact Checked
Promoted car insurance
Comprehensive
New car replacement
Flexible excess
Roadside assistance
Agreed or market value
Either
Roadside assistance
Standard
Comprehensive
New car replacement
Flexible excess
Roadside assistance
Agreed or market value
Either
Roadside assistance
Optional
Comprehensive
New car replacement
Flexible excess
Roadside assistance
Agreed or market value
Either
Roadside assistance
Optional
Comprehensive
New car replacement
Flexible excess
Agreed or market value
Agreed
Roadside assistance
Not available
Product data updated on 19 Apr 2024