Get Car Insurance Quotes

Get Car Insurance Quotes

The questions you’ll need to answer to get car insurance quotes aren’t complex, but it’s important to understand what they are. Some of the questions will relate to the car that you’re trying to insure – the make, model and year in particular. Most of the websites where you can get car insurance quotes have databases that look up car models to get the details right.

You will also be asked where the car is parked, and in particular how it is parked at night. When you try to get car insurance quotes, you’ll often find that a garaged car is going to cost less to insure than the same car parked on the street overnight. Not surprisingly, the risk of theft or damage is much higher when a car is parked on the street – and most sites that allow you to get quotes for car insurance are linked to databases that literally rate how safe or dangerous a suburb or street might actually be!

Most sites that allow you to get car insurance quotes also ask about your driving record, and whether you have and wish to keep a particular no claim bonus. Most of these sites explain very clearly what a no claim bonus means, and why it might affect the amount of your annual premium.

You’ll also be asked questions about modifications to the car, and whether you have young drivers, because both of these things will definitely affect the risk that the car insurer sees in your policy and therefore the premium that you’ll be asked to pay.

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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. 

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.