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Simple Ways You Could Save Money on Your Car Insurance

Compare The Market | 30 January 2013



Save on Car Insurance - stock photo

While many people think that auto insurance is always expensive...

...there are ways for you to keep your rates low

If you want to drive a car in Australia, you must have car insurance. This is the law, and there are no ways of getting around it. Additionally, if you get caught driving without coverage, you can be fined or even jailed. While many people think that auto insurance is always expensive, there are ways for you to keep your rates low.

Types of Coverage

There are basically two types of car insurance coverage in Australia, and they are third-party and comprehensive. Under the law, you must have at least third-party insurance to drive. This is the cheapest coverage you can purchase; however, if you get in an accident, this type of insurance will only pay for damages and injuries to the other driver.

Third-party insurance will not pay for damage to your own car or any injuries that you may have sustained. As such, people who opt for this type of insurance are usually those who have older model cars. If you have a relatively new or expensive car, you will want to have more coverage on it than just third-party insurance.

In this case, you may want to consider purchasing what is known as comprehensive insurance. While this insurance is more expensive than third-party, it will cover both drivers and their vehicles in case of accidents. So - you may be wondering what you can do to keep your insurance rates low:

Look for Valuable Discounts

There are many ways that you can lower your auto insurance rates and save money in Australia. First of all, one of the best and most effective ways to find cheap rates is to compare car insurance providers and look for any discounts that they may offer. In an effort to attract clients, many insurance companies often offer valuable discounts to help you save money.

For example, if you have an anti-theft device installed in your car, you may qualify for a discount. Additionally, if you park your car in a garage or carport, you may be eligible for reduced rates. This is because there is less risk of your car getting stolen or damaged in each of these cases.

If you have more than one car, you may be able to get a discount if you list them all on the same policy. An advanced driving certificate can help you get lower insurance rates as well. These are just a few of the most common discounts that insurance companies often provide. Check with your local providers for a complete description of their current discounts.

Other Ways to Save

Another way you can save on your insurance is to pay annually rather than monthly. If you purchase your homeowner's and/or life insurance policies under the same provider as your auto insurance, you can save money as well. This is known as bundling, and many insurance companies offer this useful option.

Since young drivers are considered high risk, consider leaving them off of your policy if they will not be driving the car if you are looking to reduce your rates.

Driving your car only as much as you absolutely need to can also help reduce your rates. For example, someone who only drives 10,000 kms per year will pay less for insurance than someone who drives double that amount. Finally, it pays to be a safe driver. Drivers who have not had any history of claims often pay less for insurance than those who have filed multiple claims.

Always Remember to Compare

In closing, it is essential to remind you that it is important for you to compare car insurance providers before choosing one. In this way, you will be sure to find the cheapest rates possible. Most insurance providers in Australia have a website online where you can obtain a free quote. If you follow these useful tips, you will find a policy to suit your needs in no time.








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What does it mean to be a single mum?Of course, the

kids

are the most important thing in a single mum's life. Kids are the focus and always have been. But along with the children, there are other matters that can confuse a single mum's life.

Centrelink

plays a big part of a single mother's life, mainly because this is where a large percentage of single mums get their finances from. Centrelink are the source from where the

single mother pension

, or as it is otherwise known, the single parent payment comes from. The single mother pension is a subsistence amount, but just the same, it is money to live on, and so it is important, no matter if it is called single parent payment, single mother pension or whatever Centrelink welfare classes it at the time

Often, single mums come out of a

divorce

or defacto relationship only to find that their troubles have just begun, and find that their first step leads them towards Family Law - it's time to engage a lawyer.
There are more than just Centrelink finance problems to worry about, as mentioned before, but also

child custody

issues. Child custody is something that hits right at the heart of

single mums

. If a single mother's ex husband or ex partner has been a domestic violence perpetrator, the mum may be greatly worried about child custody. They worry that their kids won't be safe with their spouse, who has already proven to be abusive because they caused

domestic violence

, which resulted in a divorce or separation.

Even so,

Family Court

will often still order a form of child custody named

Shared Parenting

. Shared Parenting is a form of child custody division of time or parental responsibility between the parents. Mother's often look for a good divorce lawyer to try to avoid share parenting with an abusive ex-spouse after divorce, however in many cases Shared Parenting is still the outcome after the divorce, no matter how good the divorce lawyers have been. They will often settle for visitation at a contact centre or access centre where fathers or mothers are supervised during child custody access.

Please remember the bigger font words,because we will use it often in our website.