Here at Real Insurance we understand that times are tough, and budgets are stretched, so we have put together some tips to help you save money on your car insurance.
Choose the right type of cover for you
Most importantly, you need to choose the type of car insurance cover that is right for you. Real Insurance offers a variety of car insurance cover types:
- Third Party Property Damage Insurance – This covers any damage to other people’s car or property as a result of a car accident involving your car. It also covers any of your legal costs, but does not cover any damage to your own car.
- Comprehensive Car Insurance – This covers damage to your own car and to other people’s car or property and includes Fire and Theft Insurance.
- Build Your Own Car Insurance – Unique to Real Insurance, ‘Build Your Own’ car insurance policy, starting with Third Party Insurance and adding the cover types you like to suit your budget and your needs.
You should read our Product Disclosure Statement and decide which type of cover is right for you. If you have the wrong type of cover for your needs, you may be paying too much for your car insurance.
Car insurance excess
Another factor that can directly affect your car insurance premium is the excess level that you choose. Generally speaking, the higher your excess, the lower your premium will be and vice versa. You can use our handy online car insurance quote tool to get a car insurance quote, and use our excess ‘slider bar’ to see how the excess you choose can change the premium you need to pay. Once again, you need to select an excess that suits your needs, and that you can afford to pay in the unfortunate event that you need to make a claim.
Premiums based on your individual situation
When we calculate your car insurance premiums at Real Insurance, we take into account your individual situation. This is why we ask you where you keep your car at night (e.g. in a garage, driveway or on the street). If you keep your car in the safety of your garage at night, we may be able to offer you a lower premium.