Car Insurance Comparison

When it comes to comparing car insurance quotes, shopping around is important as car insurance premiums may vary significantly from one car insurance policy to another.

Premiums differ

Differences in premiums between various insurers offering car insurance can often exceed more than $100 depending on your circumstances, so taking the time to do a car insurance comparison can potentially save you money.

There are a number of ways to compare car insurance. Prior to the advent of the internet, it was a matter of digging out the phone directory and ringing around car insurance companies, which can be a time-consuming process. You could also go and meet with car insurance salespeople, or insurance brokers.

Comparison made easy

Car insurance comparison is much easier now than it used to be. These days, using the internet, getting a no-obligation and pressure-free car insurance comparison is much simpler, and it’s also a very viable way of going about it. has an online tool, which enables motorists to compare car insurance quotes from several insurance brands. All you have to do is fill out a simple online form including standard details such as the make and model of the car, whether it is garaged and the minimum age of those likely to drive it and click 'submit' to receive car insurance quotes within minutes. The RateCity Car Insurance Guide also contains helpful information realted to getting a quote for car insurance online. 

Different car insurances

In addition to the compulsory third party (CTP) insurance that all car owners in Australia must take out when registering their cars, the two optional types of car insurance available are comprehensive car insurance and third party property insurance.

Third party property insurance covers you against the costs of any damage your car does to someone else’s property, including their car, if the driver of your car is at fault. It does not cover the costs of any damage to your car. That’s where comprehensive car insurance comes in – it also covers the cost of damage to your car, up to an agreed value, in addition to the cost of damage caused to any other car or property.

You can start an obligation free online car insurance comparison quote now.

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Learn more about car insurance

Does insurance cover a stolen car if keys were in the car?

A car insurance policy that covers the theft of your car, such as third party fire and theft insurance, usually covers a stolen car, even if the keys were in the car’s ignition.

However, your insurer may deny the claim if you live in an area where there have been several car robberies reported recently. They will see you leaving the keys in the car as a case of negligence. In such cases, your insurance provider may even expect you to have installed anti-theft security measures in your car. 

You may need to confirm whether or not you left your keys in your car, and if they had been stolen or misplaced, before filing your car insurance claim. The loss or theft of your car keys may be covered by a comprehensive car insurance policy, but usually as an optional item.

If you can confirm that your car keys were stolen, mention this in your claim as this will help establish that your car was not stolen as a result of your negligence.

Can you insure your car for 6 months?

Most Australian insurers won’t offer you a 6-month car insurance policy, so you may need to buy a policy that covers your car for damages and cancel it after six months. You will need to purchase comprehensive car insurance to protect your car from accidental damage, theft, vandalism, or natural disasters.. 

Consider checking whether your 6-month comprehensive car insurance will cost more if you pay monthly or six-monthly premiums instead of a one-time annual premium. Another question to ask the insurer is whether you’ll need to pay administration or cancellation fees when you cancel the policy.

Alternatively, you can look for a suitable ‘pay as you drive’ car insurance policy, which usually offers you the coverage of a comprehensive car insurance policy but only requires you to pay for the distance driven. Such a policy may not be the ideal 6-month car insurance plan as it is based on how much you drive rather than for how long. If you need to drive a lot, you may end up paying more than you’d pay for regular car insurance.