Comprehensive Car Insurance – Compare

1Brad • 16th Oct 2011 • Ramble

Well having recently purcahsed a new car the importance of full comprehensive car insurance became known.

I’ve just spent a motza on a new car and I just don’t want to see that go to waste

So all these TV ads and all the other propaganda I see about car insurance that I have always tried to ignore have become important to me, see now that’s why advertising works!

So I’m seeing youi as a very attractive option, they advertise a lot and their marketing campaigns fit well with me, they’re fresh and generally target this young market. I see AAMI with their ad’s that easily related to me because they’re filmed in my town and I played my part in the production of said ads. I’ve then got family, who’s word I generally trust telling me they are all with Budget direct! I’m like ahhh ok and I think I’ve made my mind up to go with Budget direct.

WRONG… I haggled the car dealer  down significantly, over two days I’d harassed and talked the dealer down a bucket load! So come time to sign the contract of sale the talk was over. I started talking about more general things like Insurance. They say we hear AAMI is pretty good, I’m like oh yeah tell me more, they start firstly telling me that some insurers base their premiums on the age of the youngest driver others base it on driving share eg: 23yo driver 90% driver and 18yo driver 10% driver and in their experience AAMI is most popular, for me I’ve got the need for an 18yo driver.

So I’m like ahhhh I need to shop around and such, in the process I began to educate myself on the features of Comprehensive car insurance and after no time at all a number of them became important, I was well a truly shopping around, I had started to look beyond the price and I’m now looking into things like rental car cover, new for new cover and the excess.

I google comprohensive car insurance and I’m getting all these comission junkies with their heavily SEO optimised pages offering comparisons with selected insurers. I’m thinking that’s cool I can do with some comparisons and so off I go.

I’m instantly seeing insurers that I’ve never heard of and I’m not seeing all the ones I know of. Ahhhhhh but I’m able to have a side by side comparison of all the important features, I’m seeing 12 month and 24 month new for new and I now won’t settle for less than 24 months, out goes half of the insurers.

I’m looking at price now… probably the second most important consideration I’ve got a quote from youi and it’s $1500+ per year.

I’m told that sounds alright by friends etc but I’m not stopping there, I got to budget and I’m getting $920 per year and they guarantee to beat any price or give you $100 cash! So I’m like sweet that’ll do but then I recall the dealer telling me AAMI is pretty good, and let’s face it I’m a bloke and I think their ‘face’ is attractive (the call center chic that’s clearly a model) so off i go to aami.com.au and fill in the form bang I get a quote, now before I talk about price I wanna talk about their site. Bang, the website was by far the best for me I’m anal and wanna read everything, be sure they’re legit and that I’m not missing some fine print. I get to their quote page and it’s user friendly super easy to use and it’s got every option I wanted and the best bit they’re by far the cheapest coming in at $720 per year!!!

Then I’m reading for under 25′s they will give you a free driver course which reduces the cost by 10% – I’m in!!!

Their price was the best and I’m not even going to go back to budget and have them beat it, because I want my driver course!

So after my shopping around I see AAMI are the best for car insurance, especially for me in my circumstances, and if I’d never compared I’d have settled for youi.

Moral of my rambling, shop around, don’t fall for the elaborate advertising campaigns and look further than price!

In the end I settled for AAMI at $720 per year and I’m booked for their driver course which should be a blast!