Any Low Cost Comprehensive Insurance Companies Available to Compare?

jjj123 on 04/03/2025 - 16:28
Last edited 04/03/2025 - 16:31

Last year, I paid $770 for AusPost with $100 in cash rewards, bringing the total to $670.

For renewal, the cost is now $1,245 with a $1,100 excess. My car is worth $12K, but it's a 10-year-old Toyota that's never had a breakdown.

I also found that providing the registration number results in a higher cost than simply searching by the model.

Comprehensive Quoted, excess around $1K:

ING 775

AAMI 791

Allianz 1.4K

QBE 1.6K

B/Direct 782

Bingle $1K

3rd party Quoted, excess all below $600:

AAMI 569 (why expensive comparing to their own comprehensive)

QBE 361

B/Direct 338

Woolie $1.1K

Any other low cost insurance I can compare or cash rewards?

Automotive Car Insurance Insurance

Comments

  • radicalvin on 04/03/2025 - 16:47

    If you drive less then 4k km annually, Everyday Insurance.

    Also, try NRMA was the cheapest for my Tesla

    • BargainMe on 04/03/2025 - 20:17

      I find AAMI best for low kilometres

      • radicalvin on 04/03/2025 - 21:18

        AAMI just quoted me $1k more than Everyday Insurance as it only has 0-5k km. I am only doing 3k km a year.

        • holdenmg on 05/03/2025 - 04:30

          Why not just Uber instead?

    • ATTS on 06/03/2025 - 19:32

      Os everyday insurance wooliez?

  • mskeggs on 04/03/2025 - 17:23
    +2

    Trying to get a better deal than $5 increase on last year will be stretch in this market.
    Everyone I know has seen substantial price rises.

    • tenpercent on 04/03/2025 - 20:35

      Must be fake news because the economy is booming and everything is great, apparently.

      • Protractor on 04/03/2025 - 21:46
        -1

        Greedy opportunistic businesses. (all business types) Not govt policies.So business as usual. Covid unleashed the parasitic overload as far as cost increases, then they lurched to blame supply chains, now it's wind direction.Trump et al psycho brain farts will lock in high global prices as far as the eye can see on everything except weapons. Insurance companies are doing what they always did, but now they have climate extremes to justify annual leaps( into the clouds) pricing, and it flows to cars and every other insurable commodity.
        No matter what insurance you go with read the small print and see who (which origin country) is doing the underwriting. Reward accordingly

  • Wiadro on 04/03/2025 - 18:32

    Try heritage bank insurance which is through Allianz

  • Bruceflix on 04/03/2025 - 20:54

    Aldi insurance is cheap. Don't know if it is good.

    • Protractor on 04/03/2025 - 23:24
      -1

      Lots of useless crap at Aldi is cheap. You get what you pay for should be their motto, not 'good/different'.
      I'd probably rate their insurance like their mobile sim offerings. Buyer beware.

    • jjj123 on 06/03/2025 - 11:27

      aldi 1323

  • Euphemistic on 05/03/2025 - 09:13

    If you save money by going 3rd party, just make sure you can survive without the car if someone uninsured or difficult crashes into your car. That is, can you live without a car or can you purchase/rent/borrow another car at short notice?

    If you MUST have a car for any reason or cannot afford to have your car written off then comprehensive is essential.

    For example, i could live without by cycling to work and sharing my kid's car.

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