Here's how

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step 1

Assess your need

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

  1. Your driving habits

    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? ;-)

  2. Where you drive

    Are you navigating freeways and roadworks on your daily city commute, or do you only use smooth, open country roads?

  3. How the car is stored

    Is it locked up in a garage when not in use, or do you park it on the dodgy street a few blocks from home?

step 2

Compare Covers

Once you’ve got a clearer picture of how you use your car, you can hit the market and search for policies that align with your needs. There are any number of online tools and comparison sites that can help with this.

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, whether they provide free roadside assistance and whether they give you the option to increase your excess to reduce your premium

Try to strike the fine balance between value and quality of cover.

step 3

Get a quote

When you’ve decided upon an insurer and a level of cover, 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.

  1. Get a quote online

    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.#

    Get started

  2. Retrieve a quote

    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!

    Retrieve a quote

step 4

Keep up to date

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.

# Greater Bank (ABN 88 087 651 956)  AFSL 237476 arranges this insurance  for  the insurer Allianz ‎Australia Insurance Limited ABN 15 000 122 850 AFSL 234708.  We do not provide any advice based on any consideration of your ‎objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision  please consider the product disclosure statement, available here.
If you purchase this insurance, we will receive a commission that is a percentage of the ‎premium. Ask us for more details before we provide you with services . ‎