Compare Insurance Quotes

Compare Insurance Quotes

If you are a driver that is looking for a good deal on comprehensive car insurance, compare insurance quotes online from several car insurance brands at comparison sites such as RateCity.

By doing so, you could find the best value option to suit your situation and to reduce your bill even further consider the following handy hints:

  • Restrict drivers
  • Pay higher excess
  • Add a security device
  • Pay in full

Most car insurance providers will allow you to limit the age of the drivers of the car to reduce your premium. For instance, by restricting a driver profile to age 30 years and older compared with best insurance quotes with no age restrictions, you could potentially save more than $50 on your premium.

Another way to save money when comparing insurance quotes for your vehicle is by opting to pay a higher excess. Most comprehensive car insurance providers will allow you to choose how much excess to pay, should you make a claim. The higher the excess amount you choose, often the cheaper the premium. Just be aware that by doing so when it comes time to make a claim you will likely be hit with a large excess bill.

Security devices such as an alarm or immobiliser can also help to reduce the cost of your car insurance premium when it comes time to compare insurance quotes. This is because it can reduce the possibility of it being stolen or broken into.

Finally, many car insurance providers allow you to pay you premium in an annual lump sum, monthly or quarterly. By paying in full for the year it often works out cheaper too.

The table below lists comprehensive car insuranceproviders you can obtain quotes from at RateCity.

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Learn more about car insurance

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. 

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 I drive a new car without insurance?

It is illegal to drive a car in Australia without insurance. Most states require that you get your insurance in place before you drive the car off the dealership’s plot. So, the answer to whether driving a new car without insurance is no, it is not allowed.

The only time you can possibly legally drive an uninsured car is when you have to get the vehicle registered. You should drive straight to an inspection station or your state's vehicle registry. You must also make sure that you take the most direct or convenient route possible.

It is important to note that your compulsory third party insurance (CTP or green slip) isn’t valid until your car is registered.

Driving an unregistered or uninsured vehicle can have severe legal repercussions. If you are involved in an accident, and are driving an unregistered and uninsured vehicle, you will be personally liable to pay compensation to anyone hurt, as well as for damages. If you are caught driving a vehicle without insurance, you may be fined or even have your vehicle seized.