We’re a nation of drivers, and each of us use our cars in unique ways. In light of this, it's important that we take the time to consider the way we use our car when it comes time to getting our insurance.
We go for the cheapest cover, or we go for what we perceive to be the ‘best’ and most expensive. Understanding how the following things effect your cover can be helpful when looking for a new car insurance policy.
Is your car brand new or an old battler? Do you use the car every day, or does it sit in the garage until it’s time for church on Sunday?
Are you navigating freeways and roadworks on your daily city commute, or do you only use smooth, open country roads?
Is it locked up in a garage when not in use, or do you park it on the street?
Once you’ve got a clearer picture of how you use your car, you can search for policies that align with your needs.
When considering an insurer, you may wish to take into account the size, reputation and reliability of the institution, as well as the level of customer service they provide.
It’s easy to be tempted by a slightly lower price, but will this mean you’ll be forced to handle any claims process online, without ever speaking to a real person?
Other things to consider include whether prospective insurers will let you pay by the month and whether they give you the option to increase your excess to reduce your premium.
Once you've decided on the level of cover you require, the last thing you want is to be sitting around all day chasing quotes.
If you don’t want to spend hours on the phone answering questions just to get a quote, look for options that make this process easier.
Just by punching in a few short details, you’re able to get a quote online. On your desktop, tablet or mobile, review your quote in just minutes.#
We get it; life happens. If you’re in the process of getting a quote and are side-tracked, you’ll be pleased to know that you can save a quote and return to it at any time. Too easy!
An all-too-common mistake is not to let your insurer know of changes in your circumstances that may affect your cover. Has someone not listed on the policy been driving your vehicle? Are you forced to store the car in a different location? Have you recently moved to a different suburb, altering your daily commute?
Keeping your Insurer up to date with these changes is a good habit to get into, as it will help ensure the ongoing validity of your cover, and may have implications for your premium.