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 PAJERO 2006. Price: $69.86 per month. Quote to Value Ratio: 6.79% – 💥 This is a great quote! The MITSUBISHI PAJERO (2006) valued at 11400.00 has a monthly premium of 69.86. This premium is slightly below average compared to similar vehicles in our database, which range from 68.00 to 80.00, representing a 10% variance. Notably, vehicles with comparable valuations exhibit premiums averaging around 75.00, indicating that the PAJERO is competitively priced. Factors such as the make and model do not show significant outliers, suggesting that the PAJERO's premium aligns well with market trends for vehicles of similar value. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this MITSUBISHI is valued at $11400.00 with a yearly premium of $774.21, giving a QTV of 6.79%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the MITSUBISHI PAJERO: - The 2006 Mitsubishi Pajero is known for its impressive off-road capabilities, thanks to its Super Select 4WD system, which allows the driver to switch between two-wheel and four-wheel drive modes at speeds up to 100 km/h. This feature makes it a favorite among off-road enthusiasts. - In terms of safety, the 2006 Pajero was equipped with features such as anti-lock braking system (ABS) and electronic brakeforce distribution (EBD), which were advanced for its time, providing better control and safety on diverse terrains. - A quirky fact about the Mitsubishi Pajero is its name: 'Pajero' is derived from the Pampas cat, Leopardus pajeros. However, in Spanish-speaking countries, the vehicle is often marketed under the name 'Montero' because 'pajero' can be an offensive term in Spanish. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Private Motor Insurance – TOYOTA RAV4 2020. Price: $169.02 per month. Quote to Value Ratio: 5.04% – 💥 This is a great quote! The TOYOTA RAV4 (2020) with a valuation of 37100.00 has a monthly premium of 169.02. Compared to similar vehicles in our database within a 20% valuation range, this premium is about average. Most comparable vehicles show premiums ranging from 150.00 to 190.00, indicating that the RAV4's premium is consistent with market trends. Notably, vehicles from the same make and model tend to align closely with this premium, suggesting that factors such as age and brand reputation do not significantly deviate from the average in this case. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $37100.00 with a yearly premium of $1873.12, giving a QTV of 5.04%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TOYOTA RAV4: - The 2020 Toyota RAV4 was recognized for its impressive safety features, earning a Top Safety Pick award from the Insurance Institute for Highway Safety (IIHS). It includes advanced safety systems like Toyota Safety Sense 2.0, which features lane departure alert, adaptive cruise control, and automatic high beams. - The RAV4 is the best-selling SUV in the United States, reflecting its popularity and reliability. Its sales have consistently topped the charts, making it a favorite choice among American consumers. - The 2020 Toyota RAV4 offers a unique 'Adventure' trim level, which includes features like higher ground clearance, a rugged exterior design, and roof rails, making it particularly appealing for outdoor enthusiasts and adventure seekers. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – SUZUKI SWIFT 2022. Price: $164.00 per month. Quote to Value Ratio: 6.17% – 💥 This is a great quote! The SUZUKI SWIFT (2022) valued at 29,400.00 has a monthly premium of 164.00. When compared to similar vehicles in our database, this premium is slightly higher than the average premium of 150.00 for vehicles within the 20% valuation range. Notably, most vehicles in this category have premiums ranging from 130.00 to 160.00. Factors such as the vehicle's make and year may contribute to this variation, but the observed premium suggests that the SWIFT has a somewhat elevated insurance cost relative to its peers. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this SUZUKI is valued at $29400.00 with a yearly premium of $1817.42, giving a QTV of 6.17%. 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 2022 Suzuki Swift is known for its affordability, making it an attractive option for first-time car buyers and budget-conscious consumers. It offers excellent fuel efficiency, achieving up to 36 miles per gallon, which is a significant selling point in its class. - In terms of safety, the 2022 Suzuki Swift has garnered positive attention with features like dual front airbags, ABS with EBD, and a pedestrian injury-mitigating body structure, which enhance the vehicle's overall safety profile. - A quirky fact about the Suzuki Swift is that it has a strong fanbase in motorsport, particularly in rally racing. The compact size and nimble handling make it a popular choice for rally enthusiasts, and it's often modified by amateurs for rally events. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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