Tips When Looking For Car Insurance
When it comes to car insurance there are many different features and types. There are also variations from state to state in Australia so let's take a look at the major considerations.
In every state in Australia compulsory third-party, or CTP, is the most basic form of insurance and covers the costs that may be involved if you cause an accident which kills or injures somebody.
In most cases this is part of your car registration payment. It will not cover the damage to another person's property including their car, so it is dangerous to think that this is all you need, especially if your car is not worth very much. You should certainly consider further forms of insurance.
The next class of insurance is called third-party property. This type of insurance will cover the damage caused by your vehicle to another person's property. This includes damage to the other vehicle and property, such as a fence for example. It will not cover the damage to your own car however except in a limited number of circumstances. It is the cheapest form of motor vehicle insurance.
Third-party property fire and theft is the next step up. This is the same as third-party property insurance described above with the added benefits of cover for fire which may occur in an accident, and for the theft of your vehicle. Naturally it is slightly more expensive than just plain third-party property but does not give you comprehensive cover.
The most comprehensive form of cover is called just that, comprehensive insurance. It will give you cover for just about every element involved in a motor vehicle accident including the replacement of your car. It is also the most expensive.
When shopping for insurance a number of factors will come into play and will determine the cost of your premium. Here are the things which an insurance company will want to know in determining the costs of your policy.
· The make, type and age of the vehicle you wish to insure. Obviously an exclusive European brand vehicle will be more expensive to insure than a very old Ford.
· The age and driving experience of the person seeking to ensure the vehicle.
· Any history of insurance claims you have made in the past.
· How you use the vehicle. There is a difference between private and business use.
· Where the vehicle will be garaged, this means both the postcode and whether the garage is locked or under cover.
Never take the first offer of insurance.......
Every insurance company will have its own method of determining the risk and the price that it will quote you. This price will change every year depending on how many claims are made and a range of other factors. This just means that you should check every time your policy is up for renewal. The company that quoted you $1000 last year may well quote you $500 next year.
Do some comparisons with online policies too because many companies are offering discounts for online applications. In some instances you can save up to 10%.
Don't forget you can also save money if you have more than one insurance policy with one company. You will receive a multi-policy discount, so do all your comparisons first before making your decision.
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