Buying car insurance in 4 simple steps
Researching and comparing car insurance online is a fast, efficient and cost-effective way for you to be well informed before you buy. Follow the steps below to ensure you get the right amount of protection.
Step 1 - Plan ahead
Understand what kind of cover you require through research and find policies that fit your situation and budget.
Familiarise yourself with the different types of insurance products available and the terminology used by car insurance companies (see our car insurance glossary).
Look through websites with useful information such as the Australian Government's Money Smart website, which provides a good overview on car insurance.
Step 2 - Compare car insurers
Car insurance providers can offer several insurance policies with different levels of coverage for you and your car. These policies range from third party vehicle insurance, which covers damage to other people's property, to comprehensive car insurance, which offers a greater level of protection, including theft and damage to your own car and other people's property if your car is in an accident (including fire),
Your research will also help you find and compare Australian car insurers that offer policies with extra cover, including hiring a rental car for unlimited days or even windscreen protection.
Step 3 - Find the best policy
It's important that you find the policy that suits you and your situation. Make sure you read over the policy details and review extra cover options for any specific extras you need. In some cases, you can pay an additional premium to cover expensive personal items such as jewellery and laptops.
Also, if you have medical conditions, check if there are any exclusions for these on the policy.
Step 4 - Get a quote
Australia Post offers three car insurance policies, and getting an online quote is quick and easy. Only basic details are required, such as your car model, parking location and driver details in order to get a quote.
If you have any issues or questions, including discussing similar policies with comparable prices, you can call Australia Post's Customer Support team on 1300 858 747.
This advice is general in nature, and doesn't consider your personal situation. You should consider your own needs and the Product Disclosure Statement (PDS) before making a decision to buy the product.
- * This online discount offer only applies to the premium paid for a new Gold Comprehensive car insurance policy initiated on or after 26 March 2015, and purchased online. The discount is taken from the premium that you would pay for a Gold Comprehensive motor vehicle insurance policy when a quote is obtained over the phone. Base rate premiums are subject to change. It does not apply to any renewal offer of insurance or fees (as outlined in the Financial Services Guide (FSG) (316kb)). You will be responsible for all applicable GST and other statutory charges. We reserve the right to shorten or extend the period the discount is offered and vary the amount of the discount.
- Australian Postal Corporation ABN 28 864 970 579 (AR No. 338646) "APC" is the distributor of Australia Post Comprehensive Car Insurance and acts as an Authorised Representative of Australia Post Services Pty Ltd ABN 67 002 599 340 (AFSL No. 457551) "APS". Because APC or APS don't know your financial needs, we can't advise if this insurance will suit you. You should consider your needs and read the FSG and Product Disclosure Statement (PDS) before making a decision to buy this insurance. Auto and General Services ABN 61 003 617 909 (AFSL 241411) "AGS" arranges the insurance on behalf of Auto & General Insurance Company Ltd ABN 42 111 5 86 353 (AFSL No. 285 571) "AGIC", the issuer of the policy. AGS pays APC a commission which is a percentage of your premium. Neither APC nor APS accept liability or guarantee payment of any claim or benefit in respect of the AGIC's products.