Auto Insurance Online

BUY CAR INSURANCE
Car insurance, which is also given the name of vehicle insurance, auto insurance and motor insurance, refers to an insurance premium or policy that protects owned road vehicles including cars, motorcycles, bicycles, vans, trucks and more. The common function for joining a car insurance company is to be offered protection from extensive damages and physical injuries caused by road accidents, such as traffic collisions.

If you are eager to keep away from strict liabilities and be helped if your broken car requires repairing, choosing the option to buy car insurance online is a great move to reduce your strain and troubles. But there are however some things you need to be aware of.

Third Party Personal Insurance
Just like the way laws differ from state to state in Australia, so does car insurance and their car insurance quotes.

In the state of South Australia, if you are a driver over 16 years old, the Motor Accident Commission will include a Third Party Personal insurance with the licence registration charge. A similar scheme goes for the state of Western Australia too.

In the state of Victoria, a Third Party Personal insurance is included by the Transport Accident Commission. The costs for it are part of a road levy paid during the registration of vehicle fees.

In the state of New South Wales, having a Compulsory Third Party Insurance (also known as CTP Insurance) is a compulsory obligation for every cars that a person owns. Because of such rule, it is in breach of the law if a motorist drives their vehicle if they don’t have a CTP. Green Slip, another common name for CTP Insurance due to the colour of their printed pages, must be acquired from one of the licensed insurers such as Suncorp, GIO, AAMI, Allianz and CIC.

In the state of Queensland, it is part of the compulsory requirements when registering a car to have a CTP too. However, drivers are given the opportunity to choose their own insurance companies. It should be noted, however, the government controls the price and quotes.

As a note, Third Party Personal insurance can just cover small personal injuries and liabilities. Bigger damages like floods, fire, storms, collision, theft, etc. will not be covered. If you wish to have them covered too, it must be purchased separately.

No Claims Bonus Protection (NCB)
A defence service called No Claims Bonus Protection, also known as NCB for short, is a protection obtained by paying excess fees after claiming damages from an disaster suffered by your car. Your fees can go down to around 55% of its normal cost, depending on what scale your claim falls into. Getting a NCB is a must if you hope to prevent yourself from losing money.

If you do not claim for a NCB for a few years, some companies may grant you a NCB protection for life at no extra charges.

Here is a list of car insurance companies for your references

1Cover Travel Insurance
1Cover is a cheap and simple insurance company. It seems that if your lost is small, such as a small illness or injury, their payments are sent to you fast and easy. However if it is something greater, it may take months for them to get back to you ...

AAMI Car Insurance
AAMI insurance is a big company and would be impossible for them to pay for every claim and repair every damage. With the length of the company’s life and number of complains, it is pretty decent. Only a handful ever goes through a nightmare, and smaller amounts have that nightmare turn into a reality ...

GIO Insurance Review
GIO Insurance has their ups and downs. It seems that before they send your claims for your damages, they will undergo many investigations to justify that it was out of your control to prevent it. Their requirements may be a bit silly at times. There are a high percentage of reported customers that their claims were denied, but others had experienced some fuss-less smooth transactions ...