3 Routes To Cheaper Car Insurance In Australia


Just like thousands of other teenagers across Australia, you likely can’t wait to get behind the wheel and experience the freedom of driving. There’s only one thing standing in your way – the cost of car insurance! However safely you driver, as a young driver you are unfortunately part of a group that statistically causes the most accidents. Insurance companies know this and set their premiums accordingly. Do you feel priced off the road? Are you considering buying an older, unreliable car just to get cheaper insurance? Are you put off driving altogether? Well, the good news is that it doesn’t have to be this way. We’re going to show you three great ways to get insurance for a lot less than you think.

#1. Choose Your Instructor Carefully

Many teenagers are lucky enough to have their parents or family members teach them to drive. What could be wrong with that? It is a good way to get extra practice between weekly lessons but it can actually swing the odds against you if it is your main way of learning to drive. You may not realize that training with a qualified instructor can actually help you get lower car insurance premiums. This might make you change your mind about learning with your parents as completing an intensive course run by instructors who are members of the Australian Driver Trainers Association (ADTA) is a great route to cheaper premiums. Insurance companies recognize that drivers who have been taught by a professional will likely have better road handling and safety skills than those who have not.

#2. Fancy Being Monitored?

You’ve probably heard that many insurance companies offer lower premiums to drivers who agree to have a so-called ‘black-box’ fitted. These devices use GPS and record when you drive and at what speeds. The insurance company monitors this data and if you drive safely you will be rewarded with even cheaper insurance when you come to renew. Does this seem too intrusive for you? Some companies will even let your parents log on to their website and ‘spy’ on you – few teenagers like that! Try thinking of it from the other side. Although black boxes seem to ruin your freedom, what would you do if someone crashed into you and it wasn’t your fault? You certainly won’t like someone blaming you for something you didn’t do. These devices can let accident investigators and the police help establish your version of events. Monitored driving is your route to cheaper insurance.

#3. Pass-Plus Courses

Another course? That’s the last thing you probably want to do when you pass your test but it’s one of the smartest moves to insure your car for less. These courses go by various names – pass-plus, insurance-reduction, learner-plus – but they are all legit ways to shave up to 15 percent off the cost of your premium. These are short, cheap courses that you can take when you just pass your test. They help you become a safer driver and score you extra brownie points with insurance companies. Many ADTA driving schools in Campbelltown and elsewhere offer these courses for learner drivers.

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