Quotes Comparison For Insurance

While it may be tempting to simply pay up your comprehensive car insurance when the renewal slip arrives in the mail, taking the time to do a quotes comparison for insurance on your vehicle may save you time and money.

Did you know that you can perform a quotes comparison for insurance from several different brands simultaneously? Using the car insurance quotes comparison tool at RateCity, you can compare quotes for up to five brands at once.

When you perform a quotes comparison for insurance at RateCity you’ll see a number of features for each result, including annual premium for the policy, a star rating from Canstar (if it is eligible) and conditions about the policy. This may include any age restrictions for the drivers, and excess payable if you make a claim.

The benefits
One advantage of this tool is that it can save you time. The alternative is to visit the websites of each insurance brand to get a quote. The downside to visiting each insurance brand’s site is that it will take you longer, and you’ll have to record all the details of the premium and the policy.

No matter how you decide to perform comparisons on insurance quotes for your car, it is important to compare more than one policy. In fact, we recommend comparing at least three before making your decision.

RateCity research has shown that many drivers may be paying hundreds of dollars more than they might need to. So by comparing car insurance quotes online you may well save time and money.

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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.