Youi Comprehensive
Budget Direct Comprehensive
Qantas Comprehensive
Bingle Comprehensive
The best car insurance fits your needs and budget, helps you in your time of need and pays out if the time comes.
Older or cheaper cars may need basic coverage, while others benefit from comprehensive policies with extras like roadside assistance and hire cars. Policy prices have risen in the last few days, so you've come to the right place to look for a better deal.
Here's a few terms to know before you get started:
Why you can trust our research
40 car insurance policies analysed
1,400+ car insurance quotes collected
300+ hours of research
The best car insurance is often about finding a balance between a policy that covers all you need at a price you can afford.
The thing about insurers is, they don't expect you to negotiate or to even know that this is an option. The reality is, a lot of insurers are willing to negotiate on price, if you just ask the question. So, if you find a policy you like but it's a bit outside the budget, here's a script you can follow.
You: "Hi, I was looking at my car insurance premium and it's more expensive than I was expecting. I was wondering if there's any flexibility around that price? I've gotten a few other quotes elsewhere that are coming in cheaper."
Them: "Hello. No worries, let me see what we can do for you."
At this point, they'll typically transfer you to someone in sales.
Sales team: "Hi, I can see here that you'd like to see if we can do a better price for you on your car insurance premium. We can reduce this by around 7%. How does that sound?"
You: "That's excellent, thank you!"
Alternatively, if they're unwilling to budge on price then it's time to compare and switch. You can simply say: "That still doesn't fit within my budget, thank you for your time anyway".
"Look around for insurers who offer sign-up discounts – this can be a great way to save! Often, the sign-up discounts will only be available if you're a new customer but that's typically no problem if you're looking at switching providers. Some offer up to 15% off which can help you save around $100 in some cases."
"If you like the look of a specific policy but it's too expensive for you, check who the underwriter is. Brands with shared underwriters have identical policies but some brands are cheaper than others. This means you can enjoy the same policy at a more affordable price point. You can find a policy's underwriter with a simple Google search or look at the product disclosure statement."
"Good to know – if your windscreen is broken and that's the only thing that's been damaged, it's not always worth making an insurance claim. This is because your excess is usually more than the cost of the repairs. To avoid this, lots of insurers let you upgrade your cover to include no-excess windscreen cover. It'll usually cost you a couple more bucks a month which is substantially cheaper than paying for the repairs yourself."
Here's what I've learnt, as someone who compares policies for a living.
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