Right Level Of Car Insurance

Right Level Of Car Insurance

Choosing the right level of car insurance will depend on a number of factors such as how much cover you require, the cost of your car and more.

When it comes to picking the right level of car insurance for you, there are three levels to choose from:

  • Comprehensive insurance: This is the highest level of car insurance available and will cover you if your car is stolen or damaged as a result of an accident. If you are at fault, it may also cover the cost of repairs or replacement for the other car/s involved.
  • Third party, fire and theft insurance: You will be covered for any loss or damage to your car that is caused by fire or theft only. As well any liability for damage caused by your car.
  • Third party property: This level of insurance covers you for damage caused by your car to someone else&#39s property.

If you decide that comprehensive insurance is the right level of car insurance cover for you then shop around to find the right provider for you. Start by comparing car insurance quotes online or check out the table below for providers offering comprehensive car insurance.

When filling in the quote, you will be asked to enter some details about yourself such as your date of birth, the make and model of your car, where the car is parked, your driving history and if anyone else will be driving the vehicle.

Based on all of the information provided, RateCity will produce a variety of quotes showing estimates of the price of your premium. If you see one that is a great deal, click on the apply button and you will be taken through to the provider&#39s website where you may have to fill in some additional details.

Most car insurance companies offer you the choice of whether you would like to pay your premium by the month or in full for one year. Some also allow you to pay quarterly, however it will depend on the provider. Note that most providers may offer a discount if you pay in full or if you choose to buy online as opposed to over the phone.

Select which method of payment will suit you and when you would like your cover to commence. The provider will then email you or post you out your details and you can then drive around knowing you have the right level of car insurance to suit you.

That is how easy it can be to choose the right level of car insurance for you.

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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.