Compare awesome quote for Courier Delivery Motor Insurance – HYUNDAI iLOAD 2021. Price: $220.16 per month. Quote to Value Ratio: 7.49% – 💥 This is a great quote! The HYUNDAI iLOAD (2021), valued at 32,500.00, has a monthly premium of 220.16. This premium is slightly lower than the average of 230.00 for vehicles in the database within a 20% valuation range, indicating a competitive rate. Notably, similar vehicles like the TOYOTA HiAce had premiums as high as 250.00, suggesting that the iLOAD offers better value. However, the small sample size limits the robustness of this comparison, highlighting the need for further analysis to draw more comprehensive conclusions. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this HYUNDAI is valued at $32500.00 with a yearly premium of $2439.84, giving a QTV of 7.49%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the HYUNDAI iLOAD: - The HYUNDAI iLOAD 2021 is particularly popular among small business owners and tradespeople due to its robust cargo space and reliability, making it a top choice for commercial use. - In terms of safety, the 2021 iLOAD includes features such as a rearview camera and parking sensors, which are essential for a vehicle frequently used in urban and crowded environments. - A quirky fact about the iLOAD is that despite being a commercial van, it has a surprisingly smooth ride and comfortable cabin, making it a favorite not just for work but also for long-distance family trips. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks
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.
📱 On mobile? Rotate to landscape view for the best table experience, or scroll horizontally within the table below.
📊 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.
📱 On mobile? Rotate to landscape view for the best chart experience, or scroll horizontally within the chart below.
📊 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.
📱 On mobile? Rotate to landscape view for the best histogram chart experience, or scroll horizontally within the chart below.
📊 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 COROLLA 2019. Price: $164.03 per month. Quote to Value Ratio: 6.78% – 💥 This is a great quote! The TOYOTA COROLLA (2019) with a valuation of 26800.00 has a monthly premium of 164.03. Compared to similar vehicles in our database within a 20% valuation range, its premium is slightly higher than average, as most premiums range from 150 to 160. This indicates that the Corolla may be priced at a premium due to factors such as its reliability and lower risk profile. Notably, vehicles like the Honda Civic and Nissan Sentra exhibit similar trends, suggesting consistent pricing patterns among compact sedans. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $26800.00 with a yearly premium of $1817.75, giving a QTV of 6.78%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TOYOTA COROLLA: - The 2019 Toyota Corolla is known for its impressive safety features, having been awarded a 5-star overall safety rating by the NHTSA. It includes standard features like a pre-collision system with pedestrian detection and lane departure alert with steering assist. - The Toyota Corolla is one of the best-selling cars globally, and the 2019 model continued this trend. It's known for its reliability and low cost of ownership, which makes it a popular choice for both first-time buyers and those looking for a dependable vehicle. - A quirky fact about the 2019 Toyota Corolla is that despite its compact size, it offers a surprisingly spacious interior with ample headroom and legroom, making it comfortable for taller passengers—a feature not commonly expected in a compact car. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks
Compare awesome quote for Rideshare Motor Insurance – TOYOTA CAMRY 2020. Price: $137.41 per month. Quote to Value Ratio: 4.44% – 💥 This is a great quote! The TOYOTA CAMRY (2020) valued at 34,300.00 has a monthly premium of 137.41. In our analysis of similar vehicles within 20% of its valuation, the average premium is approximately 125.00. This indicates that the CAMRY's premium is about 10% higher than average. Notably, vehicles from similar makes like Honda and Nissan showed premiums ranging from 115.00 to 140.00, reflecting a consistent pricing trend for sedans of similar value. This suggests that the CAMRY's premium aligns closely with market expectations, though slightly above average. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $34300.00 with a yearly premium of $1522.75, giving a QTV of 4.44%. 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 2020 Toyota Camry offers exceptional value with a starting price of around $24,000, which is relatively affordable for a midsize sedan offering a combination of reliability, fuel efficiency, and advanced features. - In terms of safety, the 2020 Camry is highly regarded, earning a 5-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA) and being named a Top Safety Pick+ by the Insurance Institute for Highway Safety (IIHS). - A quirky fact about the 2020 Toyota Camry is that it comes with a 'bird's eye view' camera system, which provides a 360-degree view around the car, making parking and maneuvering in tight spaces much easier. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks
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