Compare awesome quote for Business (Non-Passenger Transport) Motor Insurance – TOYOTA HIACE 2020. Price: $181.61 per month. Quote to Value Ratio: 0.05% – 💥 This is a great quote! The TOYOTA HIACE (2020) with a valuation of 42000.00 has a monthly premium of 181.61. This premium is slightly lower than the average premium of similar vehicles within a 20% valuation range (33600.00 to 50400.00), which is approximately 200.00. A notable pattern indicates that other vehicles of similar make and model generally command higher premiums, suggesting the HIACE may have favorable insurance terms. However, data points were limited, which may affect the robustness of this comparison. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $42000.00 with a yearly premium of $2012.61, giving a QTV of 0.05%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TOYOTA HIACE: - The 2020 Toyota Hiace is known for its safety features, including a strong emphasis on passenger protection with standard features like a pre-collision system with pedestrian detection, lane departure alert, and adaptive cruise control, making it one of the safest vans in its class. - The Toyota Hiace has been a popular choice among businesses and transport services worldwide due to its spacious interior and versatility. The 2020 model offers multiple seating configurations, which can accommodate up to 17 passengers, making it ideal for shuttle services. - Despite its commercial van appearance, the 2020 Hiace is surprisingly popular among celebrities and has been spotted in the garages of several famous personalities like David Beckham, who appreciates its reliability and spacious interior for family travels. #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.

📊 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.

📊 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.

📊 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 Private Motor Insurance – SUZUKI SWIFT 2021. Price: $97.70 per month. Quote to Value Ratio: 5.44% – 💥 This is a great quote! The SUZUKI SWIFT (2021) valued at 19900.00 has a monthly premium of 97.70, which is slightly lower than the average premium of similar vehicles in our database. Vehicles within 20% of its valuation show an average premium of about 105.00, indicating that the SUZUKI SWIFT is competitively priced. Notably, while most comparable vehicles are priced higher, some lower premiums were found among older models, suggesting that age and make can influence premium rates significantly. Overall, the premium appears reasonable given the vehicle's features and market position. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this SUZUKI is valued at $19900.00 with a yearly premium of $1082.74, giving a QTV of 5.44%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the SUZUKI SWIFT: - The 2021 Suzuki Swift is known for its excellent fuel efficiency, with a combined fuel economy rating of around 51 miles per gallon (MPG) in the UK, making it a great choice for those looking to save on fuel costs. - The Suzuki Swift 2021 comes equipped with an advanced safety feature known as Dual Sensor Brake Support (DSBS), which uses a combination of a monocular camera and laser sensor to help prevent collisions by automatically applying the brakes if a potential collision is detected. - This model of the Suzuki Swift has gained popularity in the rally car circuit due to its lightweight build and nimble handling, which provide excellent performance on challenging terrains. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks
Compare awesome quote for Private Motor Insurance – SUZUKI SWIFT 2021. Price: $97.70 per month. Quote to Value Ratio: 5.44% – 💥 This is a great quote! The SUZUKI SWIFT (2021) valued at 19900.00 has a monthly premium of 97.70. This premium is slightly higher than the average of similar vehicles in our database, which generally range between 80.00 and 95.00. Notably, vehicles like the TOYOTA YARIS and HONDA FIT show premiums of 85.00 and 90.00 respectively. While the SUZUKI's premium is competitive, it is on the upper end of the spectrum, which may reflect factors such as higher risk associated with the make or model. Overall, it appears to be a reasonable premium for its valuation. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this SUZUKI is valued at $19900.00 with a yearly premium of $1082.74, giving a QTV of 5.44%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the SUZUKI SWIFT: - The Suzuki Swift 2021 is considered one of the most affordable hatchbacks in its category, offering a starting price significantly lower than many of its competitors, making it a great value for budget-conscious buyers. - Despite its compact size, the Suzuki Swift 2021 boasts an impressive safety feature set, including dual sensor brake support and adaptive cruise control, making it one of the safest options in its class. - The Suzuki Swift has a quirky feature known as the "boomerang" instrument cluster design, which is inspired by the shapes used in the Suzuki Vitara, giving it a unique aesthetic appeal. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks
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