Australia is one the country in which almost every one has a car because if you leave in Australia you need a car to do every day to day movement .
Our cars are important to us, and plenty of people drive every single day. So, when something goes wrong with our cars (like getting in an accident) it can be a real pain in the bumper – not to mention expensive to fix. Hence why it’s useful, if not financially responsible, to have car insurance.
why insurance to cover our daily drives?
So, naturally many of us look to getting cheap car insurance to cover our daily drives. While cheap insurance may be easier on your wallet in the immediate term, you still want to ensure that you’re getting the coverage that best suits your needs as a driver. After all, cheaper policies don’t necessarily mean value for money car insurance.
What makes car insurance cheap?
When it comes to trying to lower car insurance costs, there will be some factors that are flexible and some that aren’t really in your control. For example, you probably won’t be able to easily change where you live, but you might be able to choose how high or low your policy excess is.
Some of the factors that influence how cheap your car insurance includes
Your driving history. When you apply for a car insurance policy, insurance providers will want to check your driving history. Someone with a clean driving record may benefit from a lower overall premium, while a driver with multiple infringements may be charged more, as an insurance provider will see them as more likely to make a claim.
Where you park your car at night. Another thing you probably won’t be able to change easily (unless you move home) is where you park your car at night. A car parked in a garage will usually be at lower theft risk, while a car parked on the street may be more likely to be stolen or damaged by another vehicle.
Who has the cheapest car insurance?
Unfortunately, no one provider will have the cheapest car insurance policy for everybody. But low-risk customers will generally have access to lower prices, as the insurance providers reward safer driving. A provider will ask a series of questions about you and how you use your car during the quote process, which will give you an idea of how much your premium could be. But keep in mind, quotes aren’t always an indication of the final price of an insurance policy.
Australia Cheapest Car Insurance
What is the cheapest way to insure a car?
Some ways to save on your car insurance include:
- Buying it online (if the provider offers an online discount)
- Increasing your car insurance excess to make your premiums cheaper
- Paying annually rather than monthly (signing up for a longer period of time can save you money)
- Increasing the security of your car (where you park it, install security features)
- Driving responsibly
- Bundling your car insurance with another insurance policy from the same provider.
Australia Cheapest Car Insurance
Will an accident increase my car insurance costs?
Some providers offer a no-claims discount if you’ve held a policy for a certain amount of time. The time frames, terms, and conditions will differ from provider to provider, but by being a safer driver, you can be rewarded with a cheaper insurance policy in some cases.
So, if you do have an accident, then your provider may choose to increase the premium you pay. A one-off accident might not translate to an increase in your premium, but building up a history of accidents won’t look good on paper