Your child’s safety is everything to you. You made sure they had the safest crib as an infant, and the best bicycle and helmet on the market when it came time to ride. They are your precious cargo. That’s why it’s important to have a car insurance policy that protects you and them in the event of any accidents that occur behind the wheel. Here are a few facets of auto insurance to keep in mind, and how a comparison of all of your quotes could save your family some worry, and save you some cash.
Comprehensive Car Insurance
Across Australia, drivers are required to have compulsory third-party coverage behind the wheel. Otherwise known as green slip insurance, this is the bare minimum to be legally allowed on the road. This type of insurance is designed to cover any person you might injure in a car accident. However, this doesn’t cover any damage done to any kind of property. There are differences in what insurance companies have to offer drivers. That’s why it may be in your best interest to search car insurance at iSelect.
Comprehensive car insurance provides a wider safety net to cover the cost of repairs to your vehicle in the event of accidental or malicious damage. This is also expanded to theft, fire, hail, and third-party damage regardless of who is at fault. Some policies are even designed to cover items inside your vehicle, like a car seat damaged in a collision. Accidental damage and weather damage under this general insurance policy also provide an additional shield of protection in the event of a claim.
When you’re evaluating limits and deductibles, you want to keep in mind how often you get behind the wheel and who will be in the car with you. Let’s say you need a 4-wheel drive vehicle for your growing family, you’ll want to make sure all of the protections are there on your insurance policy. While comprehensive car insurance does provide greater protection, there are additional facets of insurance coverage that you may want to invest in, much like you would with your home insurance or health insurance.
You can play a slightly higher monthly premium for additional services. Windscreen and window glass coverage is a typical add-on allowing for repairs and replacements of windows and windshields. This protects drivers once a year under an auto insurance policy without paying an excess or for a reduced excess. If you know your family is going to rely on your ride, you may want to look into a roadside assistance cover for a tow. You may want to look into a hire car coverage to help you get around if your auto is temporarily out of service for a car accident.
Auto Insurance Cost
When looking into the right vehicle for your family, you consider all of the safety features. However, you’re definitely worried about your underlying expenses. The same goes for car insurance. Keep in mind that your driving record has the greatest impact on your insurance premiums. The more claims you’ve made or filed against you, the higher your premium will be. Some auto insurance companies will also factor in things like the age of those driving, the age of the vehicles on the policy, and even location.
However, many insurance companies will offer up a variety of discounts. If you go accident-free for an extended period of time, insurers will reward you for safe driving. Certain referral services through employers may even help to garner some rebates in the long run. It’s important to do some rankings of the policies that are made available to you and your dependents to make sure you have some peace of mind every time you get on the road.