Insurance Car Quotes

Insurance Car Quotes

Did you know you can now get insurance car quotes from several different brands at the same time? If you use the car insurance quotes tool at RateCity, you can receive live quotes from up to 5 brands at once. These brands include well-known car insurance offerings like Budget Direct and Virgin Money.

When you get car insurance quotes from RateCity, you will see a number of features for each result. These will include the annual premium for the policy, how it fared in an independent survey by Canstar, and important conditions about the policy, such as whether there are age restrictions on drivers, and any excess payable if you make a claim.

The big advantage of using a comparison site like RateCity to get car insurance quotes is of course that it saves time. The alternative is to go to the websites of each individual company to get car insurance quotes from each one. Because some car insurers won’t agree to have their results compared live, you may still need to call some insurers directly or go to their website.

Regardless of how you get car quotes insurance, it’s important to get more than one – in fact, we recommend getting at least 3 in addition to your current insurer, and you could find big savings. RateCity’s research shows that many drivers are paying hundreds of dollars more than they might need to. There’s not many ways to save so much money overnight, so it’s worth spending a couple of hours every year on this. 

Click here to get a car insurance quote today.

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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.