7 Steps to Finding the Right Car Insurance for You

Getting car insurance isn’t an option in Australia — it’s a requirement. But with so many insurers and policies out there, how can you make sure that the car insurance you’re signing up for is right for you? 

The answer is: Do your research.

To help you get started, here are 7 steps to finding the right car insurance for you.

Step 1: Learn About the Different Types of Insurance Available

In order to decide which type of insurance is best for you, it’s important to first understand the different types of car insurance available in Australia. 

These include Comprehensive, Third Party Property Damage, and Third Party Fire & and Theft coverages. 

Out of these, comprehensive insurance is the broadest form of coverage available, insuring you against damages caused to your vehicle and other people’s property. 

For example, a comprehensive plan from ROLLiN’ Insurance gets you coverage for accidental damages, as well as things like windscreen repair, theft, fire and personal items inside the car. Furthermore, if your car needs repairs, you also get reimbursed for transport costs that you may incur while your car is getting repaired. 

Third Party Property Damage provides cover for damage you’ve caused to someone else’s property or vehicle, but not your own. It’s also often referred to as ‘third party only’ insurance. 

Finally, Third Party Fire & Theft provides cover for damage specifically caused by theft or fire. 

Step 2: Check Out What’s Required in Your State

In each state, it’s compulsory to have Compulsory Third-Party Insurance (CTP). 

Depending on your state, you may also need optional types of car insurance, such as fire and theft cover, third-party property damage cover, and driver cover. 

So check with your local authority to determine which insurance types are mandatory or optional in your area. 

Step 3: Consider What Type of Coverage You Need

When considering car insurance, it’s not just about what type of coverage is required in your state. You’ll also need to consider what type of coverage you actually need based on your driving habits. 

Factors such as how often you drive, the type of roads you usually take, and how many years of experience you have behind the wheel will help determine the kind of car insurance that’s best for you.

For example, if you’re a frequent driver who regularly drives on highways and other high-traffic areas, then comprehensive insurance or a pay-as-you-drive policy might be a good option. 

On the other hand, if you drive an older car or don’t drive often, third-party cover may be sufficient. 

Also, sometimes you need to protect your car during long distance moves and trips. Examples include when you’re relocating to another state or going on a long road trip. In these cases, you can get temporary coverage for your car and don’t have to sign up for a full year of car insurance.

Step 4: Compare the Premiums

Once you know what kind of coverage you need, it’s time to shop around and compare different car insurance premiums. Start by looking at the major insurers and comparing their prices for the level of cover that you need.

When comparing car insurance policies, make sure to check for any additional benefits and discounts being offered. Insurers may offer discounts for safe drivers, no-claims bonuses, multi-policy discounts, etc. 

ROLLiN’ Insurance, for example, offers a unique benefit not frequently seen with other Australian insurers. They do not charge a higher premium for drivers aged 25 and under, which makes them an attractive choice for young people looking to insure their vehicles.

And hey! If you think your car insurance premiums are too high, here are some ways you can try to lower them

Step 5: Consider Your Driving Record

Your driving record is an important factor when it comes to the cost of your car insurance. A good driving history can help you get lower premiums and vice versa.

If the tickets, accidents, or claims you’ve had in the past have been minor and don’t pose a risk to your insurer, they might still be willing to offer you a reasonable premium.

However, if your driving record is poor and you have multiple convictions or claims, it might be best to look for an insurer who specialises in high-risk drivers.

Step 6: Look for Reviews and Testimonials

Reading reviews and testimonials from other customers is a great way to get insight into the experiences they’ve had with an insurance company.

You can read reviews and testimonials on the insurer’s website, or you can check out independent review websites like ProductReview. These sites have user ratings and comments that can help you make a more informed decision.

Step 7: Read the PDS Carefully

Once you’ve narrowed down your options to a few insurers, read their Product Disclosure Statement (PDS) carefully. This document contains all of the important information about the cover that’s being offered, the policy limitations, and any exclusions.

A thorough reading of the PDS will help you understand:

  • What is and isn’t covered by the policy.
  • Whether there are any excesses or hidden costs.
  • The time period for which the policy is valid.
  • The claims process and how to make a claim.
  • The insurer’s customer service record.

Doing this will help you compare policies more accurately and make sure you’re getting the best value for your money.

The Takeaway

When it comes to finding the right car insurance, remember to compare premiums, read the PDS carefully, and check out reviews from other customers before making your decision. 

With the right car insurance policy, you can protect yourself on the road and save money in the long run.

But before signing the line, double-check all of the details one final time to make sure you’re making the right decision. Good luck!

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Customer Success Story

Why Car Transport Services Exists Today!

When I had to move my car from Melbourne to Perth, the journey of finding the right transportation service felt almost as daunting as the 3,400 km drive itself. Through trial and error, a bit of luck, and a few missteps, I learned a great deal about how to select the best service for such a task. Here’s my experience, and I hope it can guide you smoothly through your own process.

Start with Research

The first thing I learned was the importance of research. Initially, I made the rookie mistake of choosing the first service that popped up in my Google search results. Big mistake. The company had hidden fees I hadn’t anticipated, and the service was far from satisfactory. What I learned was to dig deeper. Read reviews on multiple platforms, ask for recommendations from friends or family who’ve undertaken similar moves, and don’t skip on checking the forums where real customers discuss their experiences.

Check for Licensing and Insurance

One good decision I made was ensuring the company was licensed and insured. Insurance is important. Transporting a vehicle across such a long distance has its risks, and you want to ensure that your car is covered in case of any mishaps. Verify the transporter's accreditation with transport authorities and ensure they have valid insurance that covers your vehicle during the transit. This gave me peace of mind, knowing my car was in safe hands.

Compare Quotes

Getting multiple quotes was another area where I initially faltered. I assumed all prices would be roughly the same and didn’t bother shopping around. However, after a pricey quote from the first company, I decided to get several more. The price differences were significant, and some companies offered more comprehensive services at lower costs. Always compare quotes from at least three to five companies. This not only gives you a better idea of the price range but also allows you to negotiate better terms.

Understand the Service Types

I wasn’t aware initially, but there are different types of car transport services: door-to-door, terminal-to-terminal, open carrier, and enclosed carrier. Each has its pros and cons. I chose an open carrier for its cost-effectiveness, but in retrospect, considering the long journey across Australia, an enclosed carrier would have been better to protect my car from the elements. Understanding these options beforehand helps in making a more informed decision based on your needs and budget.

Communication is Key

One of the best decisions I made was selecting a company that had excellent communication practices. They provided updates at every major juncture of the journey, which eased my anxiety. Ensure that the company you choose has a point of contact who is reachable and willing to update you throughout the process. This is vital for peace of mind and to ensure that any issues are quickly addressed.

Timing and Flexibility

I learned the hard way that flexibility is key when transporting a car such a long distance. The initial service I chose promised a delivery within a week, but it ended up taking more than two weeks, which disrupted my plans significantly. Ask about the expected delivery times and check if the company can offer guarantees or compensation if they exceed the estimated delivery times.

Avoid Rush Decisions

A bad decision I made was rushing into booking without fully understanding the terms and conditions. This led to unexpected charges for additional services I wasn’t aware I had agreed to. Take your time to read the fine print or have someone else review it. Make sure you understand every aspect of the service contract.

What I Wish I Knew

If I knew then what I know now, I would have placed more emphasis on checking customer feedback about their post-service experience, especially regarding how companies handle damage claims and disputes. Knowing a company's track record in these areas can save you from potential headaches if something goes wrong.

Open vs Enclosed Car Transport

Open car carrier with new vehicles

Open Car Transport

Open car transport involves shipping vehicles in an open-air trailer, exposing them to weather and road conditions.

This method is cost-effective and widely available, making it a popular choice for transporting vehicles quickly and economically.

The main benefits include lower costs due to multiple vehicles being transported simultaneously and quicker delivery times. However, the downside is the potential risk of damage from environmental elements and road debris.

moving cars in an enclosed car carrier

Enclosed Car Transport

Enclosed car transport uses fully enclosed trailers to provide maximum protection for vehicles against weather, theft, and damage during transit.

This method is preferable for high-value, classic, or luxury vehicles requiring extra security. Enclosed transport is more expensive and less readily available but offers higher insurance coverage and peace of mind.

Specialised services include GPS tracking and expert handling, ensuring vehicles are delivered safely and discretely.

Find out more