Although roads may not be as congested in Tasmania as they are in the more populated states, precautions still need to be taken when you’re driving.
In 2018, there were 33 reported road fatalities in Tasmania.⁴ Out of these 33 fatalities, 14 were drivers and five were passengers.
Overall, there were approximately six road deaths in Tasmania for every 100,000 people, which is the fourth highest in Australia behind the NT, WA and SA.⁵
There are numerous factors car insurance providers take into account when calculating your premium. Here are just a few things that might affect the price of your policy:
Excess is the amount you agree to pay for making a claim. So, if you elect an excess of $600, this is the amount you would have to pay when you make an insurance claim. However, with car insurance, you generally only have to pay an excess when you’re found to be at fault or if your claim doesn’t involve a third party.
Excess amounts vary depending on the policy and some providers even offer lower premiums if you agree to pay a higher excess. Conversely, paying a lower excess can lead to paying higher premiums.
Potentially, yes. Your postcode affects your insurance premiums, because your new neighbourhood may have a higher or lower incidence of drivers making insurance claims. For example, say you’re moving from Burnie to Glenorchy. Glenorchy has a higher incidence of car thefts, which may lead to a higher premium.
Where you park your car overnight at home also affects your premium. For example, if you previously parked in a garage but you’re now parking on the street, your premiums may also rise.
Finally, the rate of traffic accidents both in your new neighbourhood and on your route to work can affect your insurance premium. It’s wise to give your insurer a call when you plan on moving, so you can budget for the new price.
1. ABS – 9309.0 – Motor Vehicle Census, Australia, 31 Jan 2019. Published July 2019. Accessed October 2019.
2. ABS – 4510.0 – Recorded Crime – Victims, Australia, 2018. Published June 2019. Accessed October 2019.
3. NMVTRC – Dashboard. Accessed October 2019.
4. Department of State Growth: Transport – Tasmanian Crash Statistics: Fatalities 2018. Accessed October 2019.
5. BITRE – Road Deaths Australia: September 2019. Accessed October 2019.