Car insurance deals

While a ‘one-size-fits-all’ car insurance policy doesn’t exist, there are steps you can take to find the best car insurance deals for you.

Car insurers calculate premiums using a range of factors including age, driving experience, occupation, and car usage. As a result, the best car insurance deals for one driver could be wrong for someone else.

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Getting the best car insurance deals for your car
The make and model of your car can be a hugely important factor in determining the cost of your car insurance cover. Each car is sorted into an insurance group, based on its value, power, and cost of repair. The lower a car’s insurance group, the less it typically costs to insure. You can learn more in our guide on car insurance groups and the cheapest cars to insure.

Whatever car you drive, it’s worth considering all types of cover (comprehensive, third party fire and theft, and third party only) to get the best car insurance deal for you. Take a look at our dedicated guide to learn more about the different types of car insurance policies.

If you have a high performance vehicle or classic car then the best car insurance companies for you will be specialist providers who understand the risks.

Classic car insurance quotes will usually take into consideration the costs of replacing original parts and general maintenance.

Cars with cosmetic or mechanical modifications also tend to be more expensive so steer clear of these if finding the cheapest insurance deals is the most important factor for you.

The best car insurance offers for your age
Insurers often penalise young drivers heavily for their inexperience and increased risk, but there are still ways to keep costs down – see our nine top tips for finding the cheapest car insurance for young drivers. Top tips for young drivers include taking out a black box insurance policy and adding a named driver to the policy.

Older drivers can also expect to pay slightly more despite having many more years of experience on the road. This is because insurers say that the likelihood of older people claiming on car insurance is higher and the cost of those claims is greater for this age group.

The best car insurance deals – no claims bonus
Going five or more years without making a claim will put you in a great position to get cheap car insurance. This is because insurers recognise that the fewer claims you’ve made in the past, the less likely you are to make them in the future.

Additional drivers are normally unable to build up their own no claims bonus while on somebody else’s policy, though some insurers, such as Churchill and One Call, let additional drivers gain a history of no claims.

The best car insurance offers if you have multiple cars
If you have a number of cars in your driveway then you might want to consider a multi car insurance policy. A number of insurers can offer you discounts if you insure more than one vehicle with them under the same policy.

However, be sure to compare both multi and single insurance deals as it may not be cheaper for you.

Make your car more secure
Adding security features such as an alarm and immobiliser to your vehicle is also a proven way to cut down the cost of your insurance. Off-street parking is also looked on favourably by insurers.
Renewal time got you motivated or just looking for cheap car insurance? You’ve landed in the right place. No need to fork over your private info to see our comparisons, we’ve rounded up top deals from Australia’s online car insurance providers, along with key policy information right here so that you can compare car insurance essentials before clicking to get a personalised online quote for your car.

Get more with a 15% Online Car Insurance Discount with Budget Direct
FEATUREDComprehensive Car Insurance

Get a quote today on our award winning car insurance, and see how much you could save.

24/7 Phone & Online Claims Service
Award winning Car Insurance
Lifetime Guarantee on all authorised car repairs as long as you own the car.
Flexible payment options
RateCity may receive remuneration for clicks on these links and/or as a consequence of a consumer acquiring an insurance product after following these links.

We tailor-make a premium to suit your circumstances, it could save you on your car insurance.*
FEATUREDCar Insurance

At Youi, how you use or don’t use your car could save you lots. That’s why we get to know you better, so we can tailor your car insurance premium to where you go, how you drive and what you need. It could save you lots.

24/7 Roadside assistance included as standard with Comprehensive policies
Half your premium in the form of YouiDollars to use on over 1500 YouiRewards offers in the Youi app
Hire car after theft for up to 14 days included as standard with Comprehensive and Third Party Fire & Theft policies
Dedicated claims advisor to handle your claim from start to finish
Exclusions & limitations apply, please read Youi’s PDS when deciding if this product is appropriate for you.
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Real Insurance
FEATUREDComprehensive Car Insurance

Join the 1,000’s of Australians saving with Real Insurance. Real Insurance makes it easy to get the cover you’re after without compromising on quality.

If you use one of our specially selected repairers when you make a claim, we’ll give you a guarantee on their repairs
Choose your level of excess to keep premiums low
If your new car is a total loss in the first year we may replace it with a brand new car and pay your on-road costs as well
24/7 claims lodgement and emergency assistance
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We Price Beat on any comparable comprehensive renewal notice.*
FEATUREDComprehensive Car Insurance

If you’re 25 or over and we’re not cheaper than your current comparable comprehensive renewal notice, we’ll beat it.

Drive Less Pay Less option to reduce premiums for limited kilometres
New for old replacement of your car – 24 months
Choice of agreed value of car
Third party property damage
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Virgin Money
FEATUREDPrice Saver (Comprehensive)

Protect your journey with Virgin Car Insurance. We’re all for driving down costs, not cover. All the more reason to get moving with us today.

Restricted Drivers Discount available
Repairs with authorised dealers guaranteed
New for old replacement for the earlier of 2 years/40,000kms
No Fault Accident, no excess
21 day money back guarantee
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Get comprehensive cover for damage to your car and other people’s cars and property.*
FEATUREDComprehensive Car Insurance

Our flexible levels of cover puts you in control. You can tailor your policy and premium to suit you and the way you drive.

Four year/100,000 kms new car replacement policy
Flexible levels of cover so that you can tailor your premium and policy to suit you
Accidental Damage
Fire and theft of car
No age restrictions on drivers
Any number of drivers
RateCity may receive remuneration for clicks on these links and/or as a consequence of a consumer acquiring a credit product after following these links.