Does it come with discounts?
Two things reign supreme when it comes to car insurance in Australia; does it come with a cheap price tag and am I fully covered? With the average car insurance policyholder paying $1,027 p.a. it comes as no surprise that Aussies will look for ways to make their premiums cheaper. As much as we want to be covered we also want discounts that can be beneficial. You can look out for discounts like a no claims discounts, loyalty discounts, or discounts on the number and age of drivers who drive your vehicle.
Optional extras are your gateway to finding car insurance that comes with the flexibility of choosing optional extras that match the type of car and driver that you are, rather than to fork out a lot of cash on a cover that comes with extras you never use. Optional extras usually come with cheaper policies and can be tailor-made to suit your needs as a driver.
Does it come with features such as a 24/7 claims phone line?
With 1,225 deaths caused by accidents occurring and 52,965 cars that were stolen on Australian roads you need a claims line that will be able to help you as soon as possible. A car insurance policy that comes with 24/7 claims phone line can save you a lot of stress by getting your claim processed in order for life to resume just as it was before the incident with as little hassle as possible.
This goes without saying. Being stranded on a deserted road can be stressful but having no one to come and assist you can add to your woes. An additional feature that you can look at to ensure that you are getting the best value for your money is if your car insurance policy offers cover for a hire car after an accident. This will ensure that you are not stranded after your incident, and you will be able to get yourself from point A to point B without worrying about how you will adapt while your car is being fixed.
Does it come with a cover for personal property?
We spend most of our time commuting. Some of our valuables are most likely going to be kept in our cars. In the event of a theft or an accident that causes your valuables to be stolen or damaged you want a policy that offers you cover that protects your valuables. This usually comes with top quality policies.
It all comes down to checking the features of your car insurance to see if they will cover you as you travel before you are caught off guard by how little it covers. The only way to know if you are getting the best value for your money is to balance out the features it has against the amount you are paying. However, you will only be able to do this by comparing.