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 Private Motor Insurance – MITSUBISHI TRITON 2016. Price: $123.17 per month. Quote to Value Ratio: 6.59% – 💥 This is a great quote! The MITSUBISHI TRITON (2016) with a valuation of 20700.00 has a monthly premium of 123.17. Compared to similar vehicles within 20% of its valuation, this premium is slightly above average. The average premium of identified vehicles in this range is approximately 110.00, indicating that the TRITON's premium is about 12% higher. Notably, higher premiums are associated with similar makes and models, suggesting that brand reputation may influence pricing. However, there were limited comparisons, highlighting a need for broader data to draw more definitive conclusions. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this MITSUBISHI is valued at $20700.00 with a yearly premium of $1364.96, giving a QTV of 6.59%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the MITSUBISHI TRITON: - The 2016 Mitsubishi Triton is known for its affordability and value for money. When it was released, it was priced competitively, making it one of the most cost-effective options in the pickup truck segment, particularly noted for offering a good balance of features and performance at a lower price point compared to its competitors. - In terms of safety, the 2016 Triton was equipped with modern safety features for its time, such as stability control and traction control, which were not always standard in pickup trucks of that era. It also featured a reinforced impact safety evolution (RISE) body construction, which helped enhance its crash safety performance. - A quirky fact about the 2016 Triton is its "J-Line" design, which involved a distinctive bend in the rear section of the cab. This design allowed for a more comfortable rear seat space without increasing the overall length of the vehicle, a unique solution that set it apart from other pickups in terms of interior space optimization. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – VOLKSWAGEN ID.5 PRO MY25 5D WAGON 1 SP AUTOMATIC, NOT APPLICABLE, 0.0L 2020. Price: $201.05 per month. Quote to Value Ratio: 1.86% – 💥 This is a great quote! The VOLKSWAGEN ID.5 PRO MY25 5D WAGON 1 SP AUTOMATIC (2020) with a valuation of 119500.00 has a monthly premium of 201.05. Compared to similar vehicles within 20% of its valuation, this premium appears about average. Analysis reveals several vehicles with premiums ranging from 180 to 220; therefore, the input vehicle's premium is consistent with the dataset. Notably, make and model were similar among these comparable vehicles, suggesting little variation in premiums may be attributable to brand recognition or market demand within this subset. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this VOLKSWAGEN is valued at $119500.00 with a yearly premium of $2228.07, giving a QTV of 1.86%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the VOLKSWAGEN ID.5 PRO MY25 5D WAGON 1 SP AUTOMATIC, NOT APPLICABLE, 0.0L: - The Volkswagen ID.5 Pro is part of Volkswagen's ID series, which represents the brand's commitment to electric mobility. The ID.5 is known for its sleek coupe-like design, differentiating it from other electric SUVs in the market. - The ID.5 Pro is equipped with advanced safety features, including adaptive cruise control, lane assist, and emergency braking. This makes it not only stylish but also a safe choice for families and individuals alike. - One quirky fact about the Volkswagen ID.5 is that it offers an augmented reality head-up display, which projects navigation directions and other crucial information directly onto the windshield, enhancing the futuristic driving experience. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Private Motor Insurance – TOYOTA COROLLA 2014. Price: $88.72 per month. Quote to Value Ratio: 0.07% – 💥 This is a great quote! The TOYOTA COROLLA (2014) is valued at 13900.00 with a monthly premium of 88.72. An analysis of similar vehicles within a 20% valuation range reveals that the average premium for comparable models is approximately 85.00, making the COROLLA's premium slightly higher by about 3.2%. Notably, premiums for similar vehicles showcase a varied range, with some models significantly exceeding the 100 mark, indicating that factors like make and model influence premiums. Overall, while the COROLLA's premium is just above average, it reflects the typical pricing patterns observed in the market. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $13900.00 with a yearly premium of $983.25, giving a QTV of 0.07%. 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 2014 Toyota Corolla was praised for its excellent fuel efficiency, offering up to 42 miles per gallon on the highway, making it an economical choice for budget-conscious drivers. - In terms of safety, the 2014 Corolla was awarded a Top Safety Pick by the Insurance Institute for Highway Safety (IIHS), thanks to features like stability control and enhanced airbags. - The Toyota Corolla has been one of the best-selling cars worldwide for decades, and the 2014 model contributed to this legacy with its stylish redesign and modern features, appealing to both new and loyal Toyota customers. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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