Whether you’re looking for car insurance in Adelaide, the Flinders Ranges or somewhere else, there are several car insurance options in South Australia. Generally speaking, the more expensive a policy is, the more cover it’ll offer you.
As of 2019, more than 1.74 million people called South Australia home.3 It doesn’t matter if you’re driving through charming Hahndorf or you’re visiting family in Mount Gambier, South Australia is a fantastic corner of our country. However, despite its surreal landscapes and exotic outdoor destinations, South Australia isn’t exempt from variables outside of our control. The following information gives you an indication of what can affect your car insurance premium.
When we first obtain our learner’s license, driving often becomes part of our daily lives. The more you drive, the more likely you are to be involved in an accident.
According to the South Australian Police, there were 485 crashes resulting in serious injury in the state in 2018 and 75 accidents with fatalities, resulting in a total of 80 deaths.7
Surprisingly, those aged between 40 and 49 are most at risk of being involved in a road collision.8
Moving house may affect your car insurance premiums. If you move to a postcode that’s considered riskier due to higher rates of theft or a busy city centre where car accidents occur more frequently, you may notice a rise in your premiums. Similarly, your premiums may reduce if you move to a safer area. It’s important to let your insurer know as soon as you relocate.
Read more about how moving how can affect your car insurance.
Lodging a claim, no matter who was at fault, can affect your premiums. An at-fault claim will increase your premiums more, whereas a no-fault claim may not affect it as much. For example, if you made multiple claims within a year, insuring you may be a significant risk for insurers, and they may increase your premiums.
It’s a good idea to regularly compare car insurance policies to ensure you’re paying a premium you’re comfortable with. Our comparison tool to put you in the driver’s seat and allows you to easily assess features, policies and prices in just minutes.
Younger drivers typically pay higher premiums than older drivers. So, provided you don’t make a claim, you may be offered discounts as you get older. However, there are many factors that impact car insurance premiums, so there’s no guarantee it will reduce in price as you get older.
Car immobilisers, antilock brakes, alarms and other anti-theft features may help reduce your car insurance premiums. Even the simple act of parking your car in a locked garage as opposed to a busy street can help reduce the cost of cover, especially if you’re parked somewhere with a high rate of theft or vandalism.
Find out more about what factors can affect the price of your car insurance.
Car insurance can cover your car in the event of hail damage, but you’ll require a Comprehensive policy. That said, it can be more challenging to obtain this level of cover if your car has pre-existing hail damage. Existing damage makes it hard for insurers to determine if the damage was new or already there if you make a claim.
Keep in mind that all cars in South Australia require CTP insurance to be on the roads, but this doesn’t cover damage your car receives from hail. It’s the same case for other third party policies, which will cover damage to other cars and property but not your own. For further information, read car insurance for hail damage.