Compare Quotes Car Insurance

Compare Quotes Car Insurance

RateCity was one of the first Australian websites to give consumers the chance to compare quotes on car insurance online from several brands. If you’re looking to compare quotes on car insurance online, a comparison website like RateCity can be a good place to start. It can save you time and money.

Prior to the RateCity website, shopping around for the best car insurance deal was something of a trial. However, RateCity has come to the rescue with an online calculator that enables motorists to compare quotes on car insurance from a number of car 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, where it is garaged and the minimum age of those likely to drive it; submit the details and you’ll have several car insurance quotes provided.

Online insurance companies

You may have noticed that a new generation of online-only insurance companies have begun to emerge. These companies often offer much lower premiums than many people are used to. They are able to do this because they operate solely online and have lower overheads – as a consequence of not needing to maintain branches and large support staff.

Low premiums are great for careful drivers who never make a claim but be aware, some online-only insurers are only contactable by email and don’t retain a customer service telephone line for claims. Some customers may find making claims online frustrating, but as internet access and speeds keep improving, you’ll find this easier and easier.

Check out RateCity’s car insurance page when looking to compare quotes from some of Australia’s leading online insurers.

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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.