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The best car insurance for you isn't necessarily the cheapest but one that reaches a balance between your coverage needs and budget. With a starting price for our fictitious drivers (see table) of $468 for a premium in NSW and $585 in Victoria Coles offers the cheapest car insurance, regardless of whether the car is under finance or a claim was lodged.
You need to consult the fine print for the details of how good - or poor - an insurance policy is, and how it suits you.Coles offers a competitive policy in most areas, such as the option of a variable excess to reduce your premium and even grocery replacement of up to $200 if your ice-cream melts and meat spoils, for example, at the time of an accident. Another incentive is a monthly fuel discount of up to 12A? a litre for a year, strings attached, at Coles Express service stations. But that doesn't necessarily mean they will cost more to insure, thanks to a greater economy of scale, insurance experts say.Parking sensors, reversing cameras and blind-spot detection are common on many affordable new cars.
Most insurers cover up to $500 and exclude cash, mobile phones and portable sat-nav units.Coles also increases a premium by up to $148, or 25 per cent, if you need to make a claim.
Coles allows a choice of repairers at the forfeit of the lifetime guarantee on repairs, whereas some honour this guarantee. The dearer and faster the car, the more expensive it is to insure.a– Get quotes online and finalise over the phone, if necessary.


If you take out a policy with Youi, for example, a black car can cost as much as $180 more to insure each year than a white car. While a white car is about $60 cheaper than a black car to insure with Allianz, most other insurers consider metallic paint an accessory and might charge accordingly.Why? According to research by the Accident Research Centre at Monash University, white is proven to be the safest.
All others offer optional car hire if your car is involved in an accident and most offer free car hire if your car is stolen for up to 14 days or until your car is recovered, whichever is less.
This affects the performance and handling characteristics of a car and may also increase its appeal to thieves.a– Request a discount at renewal time. The online-only insurer also increases its premiums by less than most others once a claim has been made.While Suncorp and IAG own a variety of insurance companies that play within various parts of the market, Auto and General Insurance Company provides insurance business to Australia Post, Budget Direct and Virgin Money, among others.
RACV and NRMA offer up to 21 days, whereas car hire is an extra with Coles, The Buzz and Real Insurance. Cheaper third-party property damage is suited for cars typically worth less than about $5000, which covers the damage you cause to others but not your own car.The amount you pay to have cover, or the premium, is just one part of your policy - that is, until the moment of truth comes and you need to lodge a claim. Drive's data reveals a pricing differentiation between these businesses, which compete in the same general-insurance segment.


Statistically, young male drivers are the highest risk and the premium increases accordingly.a– Encourage young drivers to build their own insurance rating by taking out a policy in their own name instead of being a listed driver on their parents' policy.
Most insurers don't recognise the latter as insurance history and assume you have never had insurance and charge accordingly.
How easy is it to deal with your insurance company once you've lodged a claim?View larger image of insurance premium comparison hereA recent claim can also increase a premium by up to $180, or 20 per cent. But their similarities end there at renewal time after a claim, increasing by $103 (13 per cent) and $323 (42 per cent).Some insurance companies such as Youi ask detailed questions to better gauge your risk. While whole-of-life ratings (or no-claim bonus discounts) are now common with car insurers, so is the practice of increasing the policy after a claim. In some cases, it can add as much as $368 to the annual premium, so it could be better to pay for a small claim yourself rather than have it affect the premium you pay.As per all insurance products, you are paying for the classic what-if scenario.
However, if your vehicle is never damaged, stolen or in a collision that results in a claim, it can be difficult to judge the value of insurance.



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