Car Insurance Guide

When it comes to choosing the right car insurance for you there are several providers available, which can make your decision more difficult. As a result RateCity has developed a Car Insurance How To Guide, which will direct you through the car insurance maze to help you better understand your comprehensive car insurance policy and find a great value premium.

What to consider when comparing Car Insurance quotes

1. Why comprehensive car insurance?

Comprehensive car insurance is the best level of car insurance cover available. In the event of an accident you will be covered, whether it is for repairs or vehicle replacement, regardless of who is at fault. Comprehensive car insurance is not compulsory however, like most types of insurance when you need it you are extremely grateful that you have it.

2. Features of car insurance policies

Below is a list of some of the common features that may appear on your car insurance policy and what they mean.

Number of claim free years Level of rating
0 yearsRating 6
1 yearRating 5
2 yearsRating 4
3 yearsRating 3
4 yearsRating 2
5 yearsRating 1

3. How to buy a policy

If you are in the market for comprehensive car insurance, it pays to compare car insurance online. By shopping around online you will be able to compare the features available by each insurance provider and find one that offers a low premium and meets your needs. Also some insurance companies offer a discount if you purchase your policy online which can further reduce your premium and save you more.

4. Checklist – Do you have everything you need to apply?

So you have shopped around and found a car insurance company that you are happy with, one that offers the right coverage at a great price. Before you apply make sure that you have the following information ready, to make the application process quick and easy:

Finally, remember to read the product disclosure statement (PDS) before signing any documentation so you are aware of what is included in your policy and what is not.

5. Star Ratings

CANSTAR star ratings are a consumer-friendly benchmark that help you compare financial products based on their rates and features. We evaluate literally thousands of products from hundreds of finance institutions. Products offering superior value are awarded five stars.

Only the top 5% to 10% of products scored using the CANSTAR star ratings methodology are awarded the prestigious five star status. As a consumer, this is your guarantee of a high-performance product.

For more information on Star Ratings, check out our Star Ratings page

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