Unbeatable Car Insurance Deals for Drivers

We offer unbeatable prices for every car insurance scenario, backed by our price-beat guarantee. Our team uses advanced research and analytics to secure the best deals in the country—and with smart renewal controls, you get peace of mind year after year.

Verified Price Data

We collect and analyse data from thousands of real car insurance quotes issued every year—covering every type of driver, vehicle, and usage, from private cars to couriers, rideshare, and luxury vehicles. By sharing this data, we help drivers set realistic expectations around pricing. The table below shows a summary of starting prices based on actual quotes, giving you a transparent view of what competitive car insurance can look like in today’s market. No one understands pricing trends better—because we track and test them daily.

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📊 How to Read This Pricing Table

Quick Guide: Find your vehicle value in the first column, then check the insurance type you need (like Rideshare or Private). The table shows starting prices and average monthly/yearly premiums.

Step 1: Look for your approximate vehicle value in the leftmost column.
Step 2: Choose your insurance type (Rideshare, Private etc.).
Step 3: View the starting prices for your selection.

Important: Your actual quote may vary based on location, age, driving history, claims record, excess preferences, and other personal factors. These are indicative prices only.

Authentic Customer Pricing

Our sample prices are based on analysis of over 10,000 real car insurance quotes issued annually, covering a wide range of vehicles, driver profiles, and usage types. Using multivariate regression models and outlier detection, we study how key factors—such as driver history, vehicle type, and policy structure—impact pricing. This allows us to engineer insurance options that reduce unnecessary costs and improve quote competitiveness. By adjusting variables like excess, coverage type, and insurer mix, we help drivers consistently access lower premiums without compromising on protection.

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📊 Explanation

The most common question we get is: "How much will insurance cost?"

The best way to answer that is by looking at what others are paying, based on vehicle value and insurance type. Each point on the chart represents a real quote we've issued. The trend line shows the average price across different vehicle values.

Most quotes fall close to the trend line. When a quote is above the trend, it often reflects risk factors that increase price. When it's below the trend, it indicates where savings can be unlocked.

Our Analysis: We analyse these patterns to understand what drives pricing—and how to stay below the trend line to consistently deliver better-value quotes.

Frequently Exceptional Value

A good car insurance quote is generally one where the annual premium does not exceed 10% of the vehicle’s value—a standard used to assess fair pricing relative to risk. In practice, approximately 80% of quotes fall at or below this benchmark, with over 95% remaining under a 20% quote-to-value (QTV) ratio. Quotes exceeding this threshold are rare and typically driven by factors such as prior claims, high-risk usage, or regional underwriting constraints. For most drivers, this approach results in consistently competitive premiums without compromising on protection.

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📊 How Often We Issue Good Car Insurance Quotes

We define a good car insurance quote as one where the premium does not exceed 10% of the vehicle's value—a benchmark we use to measure real value for customers.

Our target is for at least 80% of quotes to meet or beat this quote-to-value (QTV) ratio. While external factors like claims history, usage type, or location can sometimes push quotes higher, these are the exception.

QTV Rating System:
🟢 0-5% = Exceptional (Outstanding value)
🟡 5-10% = Good (Meets our benchmark)
🟠 10-20% = Above benchmark (Higher but reasonable)
🔴 Over 20% = High (Due to risk factors)

🧮 How QTV is Calculated

QTV = (Annual Premium ÷ Vehicle Value) × 100

Practical Example:
• Vehicle Value: $25,000
• Annual Premium: $1,500
• Calculation: ($1,500 ÷ $25,000) × 100 = 6% QTV
• Rating: 🟡 Good (meets our benchmark)

How to Read This Histogram Chart:
X-axis: Shows QTV ranges (0-5%, 5-10%, 10-15%, 15-20%, 20%+)
Y-axis: Shows what percentage of all our quotes falls into each range
Bars: The height shows how frequently we issue quotes in that QTV range

Our Performance Results:
80% of our quotes come in at 10% or less (good to exceptional)
Well over 95% fall below 20% QTV
Fewer than 5% ever exceed a QTV of 20%

What This Means: We consistently deliver strong value without sacrificing protection. The histogram shows our commitment to keeping most quotes well below the 10% benchmark, ensuring you get quality coverage at competitive prices.

Genuine Customer Price Examples

Our sample prices are based on thousands of real quotes issued every year across every type of vehicle, driver, and usage—from daily commuters to prestige cars, couriers, and rideshare drivers. We work with almost every major insurer in Australia and have deep insight into what separates a good price from a bad one. Using advanced metrics like Quote-to-Value, we constantly assess whether the quotes we issue are competitive—and more importantly, if they're winning in the market. When it comes to car insurance pricing, no one knows the landscape better than we do.

Compare awesome quote for Rideshare Motor Insurance – TOYOTA CAMRY 2018. Price: $184.70 per month. Quote to Value Ratio: 6.90% – 💥 This is a great quote! The TOYOTA CAMRY (2018) with a valuation of 29600.00 has a monthly premium of 184.70. Compared to similar vehicles within a 20% valuation range, this premium is about average. Most vehicles within this range have premiums around 170 to 200, indicating a competitive rate. While some may show slightly lower premiums, the overall discrepancy is minimal, suggesting that market factors such as the vehicle's make, model, and year are consistent with the premium charged for the CAMRY. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $29600.00 with a yearly premium of $2046.84, giving a QTV of 6.90%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TOYOTA CAMRY: - The 2018 Toyota Camry is known for its impressive resale value, making it a great investment for owners who plan to sell or trade in their vehicle in the future. This is largely due to its reputation for reliability and its high demand in the used car market. - Safety is a standout feature for the 2018 Toyota Camry, which was awarded the Top Safety Pick+ by the Insurance Institute for Highway Safety (IIHS). It comes standard with Toyota Safety Sense P, which includes features like pre-collision warning with pedestrian detection, lane departure alert with steering assist, and adaptive cruise control. - The 2018 Toyota Camry features an innovative design with a two-piece grille and sleek body lines, which marked a departure from the more conservative styling of previous models. This design was part of Toyota's effort to appeal to younger buyers and enhance the car's sporty appeal. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Private Motor Insurance – MERCEDES-BENZ VALENTE 2018. Price: $116.41 per month. Quote to Value Ratio: 3.44% – 💥 This is a great quote! The MERCEDES-BENZ VALENTE (2018), valued at 37500.00, has a monthly premium of 116.41. When compared to similar vehicles within a 20% valuation range, the premium is average, with most premiums ranging from 100.00 to 130.00. Notably, while some vehicles are slightly higher, the VALENTE's premium aligns well with its market peers, indicating competitive pricing. The analysis shows no significant outliers, and factors like make, model, and year contribute to consistent premium rates within this segment. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this MERCEDES-BENZ is valued at $37500.00 with a yearly premium of $1290.05, giving a QTV of 3.44%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the MERCEDES-BENZ VALENTE: - The 2018 MERCEDES-BENZ VALENTE is known for its impressive safety features, including multiple airbags and advanced braking systems, which have contributed to its high safety ratings. - Despite being a versatile and functional vehicle, the 2018 Valente is relatively less popular than other Mercedes-Benz models, making it a unique choice for those looking to stand out. - The MERCEDES-BENZ VALENTE 2018 is particularly known for its spacious interior and flexible seating configurations, making it an excellent vehicle for families or those needing extra cargo space. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – KIA SPORTAGE 2020. Price: $210.92 per month. Quote to Value Ratio: 7.03% – 💥 This is a great quote! The KIA SPORTAGE (2020), valued at 33300.00, has a monthly premium of 210.92. When compared to similar vehicles within a 20% valuation range, the average premium is X, indicating that the SPORTAGE's premium is [higher/lower/average]. Notably, vehicles from the same make/year exhibit premiums in the range of Y to Z, signaling a potential trend or outlier. This suggests that factors like make and model significantly influence premium pricing, with the SPORTAGE falling into the category of [notable patterns or additional considerations]. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this KIA is valued at $33300.00 with a yearly premium of $2337.47, giving a QTV of 7.03%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the KIA SPORTAGE: - The 2020 KIA SPORTAGE is known for its impressive safety features, receiving a 5-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA). This makes it a popular choice for families looking for a reliable and safe vehicle. - One quirky fact about the 2020 KIA SPORTAGE is its hidden storage compartment under the cargo floor, providing extra space for drivers who need to store items discreetly while maximizing the cargo area. - The KIA SPORTAGE 2020 was considered a good value for money due to its competitive starting price, which was around $23,990. It offered a range of features typically found in more expensive vehicles, such as a standard 8-inch touchscreen display with Apple CarPlay and Android Auto. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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