According to Transport Accident Commission Victoria, there were 259 lives lost on Victorian roads in 2017. Speeding is a serious danger, being the most significant cause of crashes and road deaths in the state. Tailgating is another leading cause of crashes, especially during Australian summers.
In 2017, there were a variety of common Victorian road dangers which resulted in the majority of insurance claims: Victorian drivers had more “nose-to-tail” accidents than drivers in any other region (around 23% of all insurance claims). A further 17% of Victorian car insurance claims stemmed from damage while being parked, and 14% of claims were the result of a reversing accident. Victoria also recorded the most crashes nationwide caused by drivers failing to give way, which accounted for 13% of all insurance claims.
This all boils down to one point: you should exercise a high degree of caution when you’re out on Victorian roads.
The cost of your car insurance isn’t usually determined by whether you live in the city or a regional town. However, premiums can be influenced by your postcode and your level of risk.
For example, perhaps your regional town has safe roads but has a high rate of car thefts. Or, your inner-city suburb home is safe from thieves, your car is garaged at night, but you live near a busy intersection that has lots of crashes. Both policies might cost a bit more than somewhere with low rates of theft & accidents – regardless of where it is in the state.
Essentially, the lower your chances of claiming in your suburb, the more affordable your policy may be.
Your car insurance premium will depend on your risk of claiming from a variety of factors including:
All Victorians would appreciate getting cheaper car insurance. Making sure your car is protected at work and home (by parking undercover in a secure spot or adding extra security) can decrease your premium. Also, depending on your individual needs/requirements, increasing your policy’s excess (i.e. what you pay when you make a claim) and restricting the age of eligible drivers on your policy may decrease your premium. Most insurers also usually offer a no claims bonus when you don’t make any claims over a specified period.
Also found in herald sun article: Melbourne’s most dangerous roads revealed by AAMI analysis of… (I ran out of views for the day)
14 Found in Herald Sun article called “Melbourne hailstorm puts dent in Suncorp” (I’ve reached my limit)
16 This was either found in the Herald Sun article called “Melbourne car dealerships selling off hail-damaged cars” or The Age “Dealers fear worst after hail hits cars” (sorry I’ve reached my limit)