Welcome to RateCity's Car Insurance section.
We all know how important it is to compare car insurance. With a market that is heavily dominated by the big players it's wise to consider the lesser known brands as they often will quote you a cheaper price yet include all the same features and assistance.
For example, car insurance policies may vary dramatically if you use your vehicle for business purposes, only on weekends or you want to insure a hobby or classic car. Also, you could pay a higher premium depending on where you park your car at night and how old you are.
Top tips to remember when comparing car insurance: * Always read the Product Disclosure Statement (PDS) before signing up for car insurance * Fill out the questionnaire truthfully to compare car insurance that best suits your driving habits * Regularly compare car insurance policies at RateCity to ensure you are getting the best deal
Car Insurance Guide
Comparing Car Insurance can be quite difficult. Especially when the market seems to be dominated by so many big brands.
How do you know whether to trust the smaller companies? Are they as reliable and offer the same level of service? These are all common questions people face when comparing companies and quotes.
RateCity's Car Insurance Guide can help with this process. We provide you with tips and hints to assist you with getting the lowest price on your policy. We're also focussed on giving the smaller brands a voice so you can really see the savings available. Reading our guide will make you aware of the important things to consider. You'll feel more confident with making a decision, ensuring you find a policy that suits your needs as well.
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Car Insurance Articles
In order to accurately compare car insurance quotes you need to be well informed. That means, you have an understanding of all the terms referenced on various car insurance forms. Thankfully, RateCity has put together a list of words you'll often come across and their associated meanings to help make this process easier. Get prepared to compare by reading some of our articles below.
How Car Insurance Premiums Are Calculated
One of the differing factors when comparing car insurance is the premium each company charges. Insurance underwriters generally calculate premiums based on a level of risk they associate with the driver and the car. There are some key factors that are taken into account when working out the degree of risk including:
Your age and gender
Whether you have nominated a younger driver and their age
Your driving and accident history
The type of car you drive and any modifications it has had since it’s purchase date
It’s important that you be honest and upfront about all of your answers when purchasing a policy. RateCity would also suggest that you read the Product Disclosure Statement (PDS) before committing to ensure you are across all the terms, conditions and exclusions.
Top Tips to Consider when Comparing Car Insurance
Save yourself the time and effort of visiting each insurers website individually. A site like RateCity enables you to fill out one quick and easy form, then receive a number of quotes from a range of providers.
Think about which features within a policy you actually need. Some features are likely to push your premium higher meaning more money out of your pocket!
Email your quote to a friend or trusted aquaintence if you want someone to check you've made the right decision
Check out their Canstar Cannex Rating to see if they have received a 5 star rating for service and value.
Comparing online in the comfort of your own home or work can save you time and most importantly, money.
Latest Car Insurance NewsMay 10, 2013
The “at-risk” generation Y group filed fewer than 10 percent of all claims in the past three years. By comparison, baby boomers accounted for almost 40 percent of all claims made in the same period.May 07, 2013
Telematics – the combining of telecommunications and informatics in cars to make them smarter – enables insurance companies to monitor and measure driver behaviours, including how they use their cars.Jun 28, 2012
Install the right optional extras and they could end up paying for themselves, research suggests.
Latest Car Insurance NewsMar 27, 2013
Aside from the obvious physical threats of dangerous driving, an offense behind the wheel – or loss of licence – could see motorists face increased car insurance bills for years to come.Feb 06, 2013
Since the advent of the wheel, there have been those among us who feel the need to take the design one step further. Some do it for speed, some for handling, and some simply for style.Jan 23, 2013
The weight debate has been reignited following the release of contentious new research that suggests obese people face a much higher risk – of up to 80 percent – of death in a car accident compared...
Latest Car Insurance NewsJan 09, 2013
Most of us like to listen to music when we drive. But there are some songs that should be avoided when behind the wheel, according to the results of a new study.Dec 18, 2012
The future of the great Aussie road trip is falling out of favour as young people increasingly turn their backs on driving holidays and embrace cheap airfares instead, research shows.May 17, 2012
Porsche drivers could be three times more likely to be involved in an accident on the road than Daewoo drivers, research suggests.
Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Read our detailed disclosure here. RateCity’s quote may be subject to change by the insurer if you change or add to the information in the application form. Up to six car insurance brands currently appear in the results, with all brands provided by Auto & General Services Pty Ltd.