Buying a car
How to buy car insurance: The dos and don’ts
18 February 2019
Buying car insurance – whether it’s for the first or umpteenth time – can seem a bit confusing. There are a number of different options out there, from the type of cover you choose to the insurer you use, and it can be difficult to know if you’re making the right decision for you.
To help you, this guide outlines the dos and don’ts of buying car insurance.
Do: Consider what level of coverage you’ll need
When you’re researching the type of car insurance that’s best for you, you may want to consider the level of coverage that will suit you best. Factors like how often you drive and how much your car is worth (both in terms of money and sentimental value) can all impact the level of cover you ultimately choose to purchase.
Suncorp offers a number of flexible options and types of cover, including 3 different Comprehensive Car Insurance policies, and 2 levels of Third Party Car Insurance.
Do: Buy your car insurance online
It goes without saying that nearly everyone loves to save money where they can. Car insurance doesn’t need to cost the earth, and you’ll find it’s often cheaper to purchase your policy online. For example, if you buy your car insurance online with Suncorp, you can get $50 off your online quote! Not to mention, the time it can save you is worth its weight in gold.
Do: Combine your policies
Another way you can potentially save on your car insurance is by combining your other insurance policies – such as car, home and contents insurance. In doing so, you could be eligible for a reduction in the amount you pay. If you’re thinking about getting cover in other areas of your life, or you already have existing policies outside of car insurance, looking into a way to combine them could be worth your while.
Don’t: Drive if you don’t need to
Although driving might sometimes seem like the most ‘convenient’ option, that doesn’t mean it’s the only one. It might be possible for you to cycle or walk, even if it’s just partway of your journey, or even use public transport. You don’t necessarily have to hang the keys up every day either – you could just commit to using an alternative method of transportation to work a couple of days a week, or practice leaving the car at home on the weekends.
The aim here isn’t to cut out your car usage completely, but just reduce it slightly. That’s because if you travel less average kilometres per year, you can often get a reduced premium as a result.
Don’t: Select a policy without reading the fine print first
Once you’ve selected an insurance policy that’s right for you and your needs, it’s a good idea to read the corresponding documents. It might not sound super appealing, but reading the fine print now means you’ll know exactly what you’re covered for, and you won’t end up paying more for anything unexpected if you ever need to make a claim.
You can find all the information you need on Suncorp’s insurance products within our Policy Documents.
Don’t: Forget to get in touch if you need more information
The best part about buying car insurance is that you don’t have to do it alone. In fact, there are trained professionals who can help you to make the right decision according to your needs. If you’re interested in finding out more about Suncorp’s car insurance, you can call us on 13 11 55 between 8am and 10pm (AEST), 7 days a week.
Insurance is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Consider the Product Disclosure Statement before making a decision about this insurance. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.