Why are my car insurance premiums different to my friends'?

Car insurance premiums are calculated based on the level of 'risk' the insurance underwriters associate with you and your car. Simple things that differentiate you from someone else contribute to that assessment of 'risk'.

Key factors include:

  1. The make and model of the car
  2. The ages of everyone who drives the car
  3. Where the car is kept. Not all insurers treat each suburb the same, and parking in a garage rather than on the street can make a difference.
  4. Your driving history and the frequency of any claims you have made.

Our underwriting process is more comprehensive than many other car insurers, which is why we can offer more competitive rates to Australian drivers.

Have a question that you'd like us to answer?

1300 Insurance's car and home and contents insurance is offered by 1300 Insurance Pty Ltd (ACN 124 845 727; AR No 327609) as an Authorised Representative of Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411). Auto & General Services arranges the insurance on behalf of the insurer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Because we don't know your financial needs, we can't advise if this insurance will suit you. You should consider your needs and read the Product Disclosure Statement and Financial Services Guide before making a decision to buy insurance. Not available in NT.