Top Tips For Comparing Car Insurance Quotes


There's a tonne of choice out there when it comes to taking out cover for your car, which can make the process of shopping for car insurance quotes a little overwhelming.

The good news is, as long as you know what's important, selecting the best quote for your car, your lifestyle and your budget is actually quite simple.

Here are our top tips for getting and comparing car insurance quotes.

Compare Apples-to-Apples

Getting a good premium is one thing, getting the cover you need is another. When you're shopping around for car insurance quotes, have your current policy on hand and ensure the quote you're getting includes all the things you're currently covered for. You may even wish to call the prospective insurer and ask them to give you a quote based on your existing one to ensure an apples-to-apples comparison.

Compare benefits

In a crowded market, every car insurer out there needs to set themselves apart and they often do so by offering benefits, like Roadside Assistance. Once you have a shortlist of the insurers you're thinking of choosing, compare the benefits they offer and weigh up how important they are to you, and how much they could save you in the long run.

Compare your excesses

When you're comparing car insurance quotes, pay particular attention to how much your excess is. Your excess is something that you pay when you need to make a claim. For example, if your excess is $600 and your repairs cost $700 then you will pay $600 and your insurer will pay the rest. In general, the higher the excess, the lower the premium which may sound appealing at first, but not when it comes time to make a claim.

Often when getting a car insurance quote, the insurer will set an excess for you. It's a good idea to discuss with them what your ideal excess will be, and see how much that affects your overall quote. Also don't forget to check for hidden or additional excesses, such as a younger driver excess or an inexperienced driver excess (which are two different things, and depending on your circumstances, you may need to pay both in addition to your basic excess).

Compare loyalty

Your car insurer is going to be an important part of your life. You'll rely on them when things go wrong, and for continuous peace of mind. As you may be with them for a while, you deserve their loyalty. Many insurers offer different ways of rewarding their customers that should be considered in addition to the quote they give you. For example, the YouiRewards™ program gives customers access to great discounts from over 1000 partners nationwide, including food, entertainment, travel, retail and more. Rewards programs like this help you get the most of your insurance premiums, whether you need to claim or not.

Compare different products

Once you've decided which car insurer you want to be with and you're happy with their car insurance quote, make sure you've chosen the right type of car insurance. Each insurer offers different levels of cover so it's important to understand exactly what your particular policy entails, and whether or not you're covered for too much or too little. Ask your insurer if they offer a comparison table like this one so you can easily see what's included, what's not and what's optional.

Ready to find your ideal cover? Start a car insurance quote with us to see how much you could save.

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