All insurance companies are not equal. Some Cheap Quotes for example, are good value for money, other ones are overpriced. 

Some car insurance firms are exceptional. They pay claims promptly and are easy to deal with. Others are not like that. 

I worked in the car insurance industry for a few years. I got to know who were the best insurers and Australian Insurance Brokers. I also got to know some of the better Term Life Insurance firms that give affordable quotes online.

Couples or singles can find the easiest ways to find the best insurance quotes, International Health Insurance & CTP insurance Green-slips. You can get the best cover available throughout Australia. You can also save hundreds of dollars. Just by shopping around for your comprehensive cheap car insurance quotes.

Choice Magazine found average the following annual savings across all Australian states:

$1650 for male/female young drivers and $870 for a family with a daughter or son.
$250 for single/couple adult drivers. $270 if driving with an older car. $420 if driving a 4WD. $460 if you had a recent at-fault claim.
$240 for an older driver. All these savings just by shopping around!

Here are my favourite insurance companies.  They are in terms of customer service and value for money. Some are offering very competitive insurance products.

AAMI
www.aami.com.au
Phone 132 244.

Allianz
www.allianz.com.au
Phone 1300 137 664.

American Home Assurance Co.
1800 331 013.

Catholic Church Insurances Ltd.
1300 655 001.

CGU Insurance Limited.
1800 132 959.

ING General Insurance Pty Limited.
1800 023 387.

GIO Workers Compensation.
www.gio.com.au
Phone 131010.

NRMA.
www.nrma.com.au
Phone 132 132.

QBE.
www.qbe.com.au
Phone 1300 791 874.

Suncorp Metway Ltd.
132 524.

Save money and time by visiting our Australian Car Articles.

Definitions of insurance from research on the Web:

1. Promise of reimbursement in the case of loss.

2. A contract in which one party agrees to pay for another party's financial loss.  This is resulting from a specified event. For example in auto insurance, a collision, theft, or storm damage. Lease agreements generally require that you maintain vehicle collision and comprehensive insurance.  This is as well as liability insurance for bodily injury and property damage.

3. Protection against a specific loss.  This is over a period of time that is secured by the payment of a regularly scheduled premium.  Eg; Workers Compensation, Car Insurance, etc

4. A contract whereby one undertakes to indemnify another.  It  may pay a specified amount upon determinable contingencies.

Auto Insurance Guide
Remember, companies can deny you cover if;

You didn’t answer questions properly.
You gave wrong information when you bought or renewed the policy.
Your circumstances about your car changed between renewals and you didn’t let them know.
As a result, your insurance could be cancelled and your claim might not be paid.

You must tell the insurer any change to;

1. Your address.
2. Use of the car, whether it's personal or business use.
3. Drivers of car. For example, if your son or daughter starts driving.
4. Any offences or fines.
5. Driving record (including any accidents, even if you didn’t make a claim)
6. Modifications to the car. Changes to the transmission or engine, mag wheels or tinted windows.
7. Condition of the car. For example, rust, deterioration or any other damage.

If you think any of this might have changed, always tell your insurer ASAP.

More Tips:
1. Tell your insurer if drivers under 25 will be driving your car.
2. It helps to check if young drivers are excluded from driving.
3. You will need in most cases to list them on the policy & pay an additional premium for it.
4. Automobile premiums on your insurance policy are often able to be reduced with a higher excess. The insurance premium may be cut considerably by using this tactic
5. Cheap car insurance may often be at the risk of losing essential cover. Talk to your broker first before deciding which insurance cover is best for your situation.
6. Drink Driving will negate your car insurance

Need competitive car insurance quotes or cover for other risks?  Email me here info@insurancehq.com.au for some great advice!

Compare Quotes
Tell me which state in Australia you live in and select the scenario that describes you best:
Under 25 male driver.
Under 25 female driver.
Family with under 25 male driver.
Family with under 25 female driver.
Single or couple adult car driver on maximum No Claim Bonus.
Recent at fault claim with an adult driver.
Older auto with an adult driver, maximum No Claim Bonus.
4 wheel drive with an adult driver, maximum No Claim Bonus.
Insured Driver aged 60 or over.

USA Top Ten Auto Insurance Firms

1. esurance 1-800-430-3622.

2. Progressive Insurance 1-800-PROGRESSIVE.

3. GEICO Direct 1-800-861-8380.

4. 21st Century Life Insurance 1-800-487-4500.

5. ComparisonMarket 1-877-605-7707.

6. State Farm Mutual Group 1-877-734-2265.

7. Allstate Health Insurance Company Group (800) 547-8676.

8. Business Insurance Brokers Group (800) 956-3728.

9. National Motor Club 800-523-4582.

10. Hagerty Insurance 1-800-922-4050.

N.B. Our directory, "Suggest Link" can be found on the top right hand side of this home page.  This is only for related & car insurance sites. You MUST be related and show where we can be found on your page first. No liability is assumed for cheap car insurance quotes.

Disclaimer: We accept no responsibility for any loss, injury or inconvenience. This might be sustained by anyone resulting from the above information. You should verify critical information of all insurances before deciding to purchase same.

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