While we may do everything in our power to drive safely and lawfully on the roads, other drivers may not follow the same rules.
In 2016, 196 people died on WA roads, 65 due to speed-related crashes, and 62 because of alcohol-related crashes. The remaining fatalities were caused by non-seatbelt use or fatigue.
Regional WA didn’t fare too well, either.
The Road Safety Commission announced a Wheatbelt Highway Safety Review in 2015 due to the high instance of serious crashes and fatalities compared to the state’s other regions. 14% of all road fatalities in WA occurred in Wheatbelt in 2016.
On top of this, unpredictable wildlife can make driving on the roads challenging.
Kangaroos, camels, and cattle often roam across the road, especially at night.
As such, it’s important that you remain vigilant on the roads in order to stay safe.
Moving houses may affect your car insurance premiums. If you move to a postcode that is 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; especially if you’ve come from an area that’s relatively safer.
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 greatly.
According to Western Australia’s Road Safety Commission, 29% of those killed in car accidents were aged 20 to 29 in 2016. As such, drivers under the age of 25 may be faced with more expensive premiums than their elders. This also means insurers may offer discounts to more experienced drivers.
Car insurance premiums can be affected by the type of vehicle you’re driving, as well as any modifications that may impact the car’s driving safety. Your age, driving history, and your gender, may impact your premiums as well.
Conversely, car immobilisers, antilock brakes, alarms, and other anti-theft features may help reduce your car insurance premiums. Furthermore, parking your car in a locked garage as opposed to a busy street can help reduce the cost of your cover, especially if you’re parked in an area that has a high rate of theft or vandalism.
While car insurers (depending on the type of cover) can cover your car against hail damage, insurers may not cover cars with pre-existing hail damage. If insurers do provide cover for hail damaged cars, their premiums may be more expensive. For further information, read car insurance for hail damage.