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So you’ve just bought a new car

Maybe it’s an old favourite like a Toyota, or something a little fancier like an Audi, and now you need to insure it.

Or maybe you’re just looking to renew the insurance on your beloved Holden or Nissan.

You can’t get make or model-specific insurance, although some car brands do offer insurance products (these are typically no different to standard car insurance policies, though).

However, the make and model of your car does affect how much you pay for car insurance. For example, the purchase and replacement price of a Mercedes-Benz maybe more expensive than that of a Holden, and so you’d likely pay more in premiums for the former.

The make and model of your car isn’t the only thing that affects your premiums, though. Other factors like your car’s age and kilometres driven, as well as your address and claims history, also influence how much you pay for car insurance.

Why use our comparison service to compare car insurance?

You need only minutes

Our comparison service is so simple that it takes only a few minutes to compare policies.

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You can easily browse policies side-by-side all in the one place.

At no cost to you

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What types of car insurance are there?

Comprehensive

Your vehicle is covered for loss or damage caused by accidents, fire, theft, storms, hail and more. You’re also covered for any damage you cause to another person’s vehicle or property in an accident.

Third Party Fire and Theft

A Third Party Fire and Theft policy will cover your vehicle for fire damage or if it’s stolen, but not for accidents. It will, however, cover the repair or replacement costs of another person’s vehicle or property if you cause the damage.

Third Party Property

This basic level of car insurance will cover the cost of loss or damage you cause to another person’s vehicle or property, but not yours when you’re at fault.

Compulsory Third Party (CTP)/Green Slip

CTP or Green Slip insurance is mandatory Australia-wide for all drivers. It covers your liability if you cause injury or death to someone when driving.

Toyota GT86

Car insurance and Toyota vehicles

There were nearly three million Toyota passenger vehicles alone on our roads as of January 2019, according to the Australian Bureau of Statistics (ABS), making it Australia’s favourite car brand by far.¹

The Toyota Corolla, Camry and Hilux were the most popular models compared on our service in 2018-19. These brands were clocking up the kilometres too, especially Hilux owners travelling more than 20,000km a year. The Australian annual average is only 15,000km!

83% of Toyota owners that quoted from us in 2018-19 searched for comprehensive car insurance.

Comprehensive insurance can protect your car for all those kilometres you drive each year. It might be a good idea to see if your comprehensive policy includes cover for towing costs in case you get stuck far from home.

Car insurance and BMW vehicles

The BMW X5 was the most popular BMW model to be compared on our service in 2018-19 with 3,537 completed quotes. The 320i and X3 followed. All three models travelled close to the average 15,000kms driven in Australia per year.

Comprehensive insurance is the most popular choice for BMW owners that use our comparison service; in fact, a massive 91% of completed quotes for BMWs in 2018-19 were for comprehensive policies, compared to just five per cent of Third Party Property quotes.

It’s understandable, of course, that you’d want a fully comprehensive policy to protect your sleek BMW. After spending what could be a fair amount on your car, you’d want to make sure you’re covered if it gets damaged while on the road.

BMW parked in a city.

A Honda in a rooftop carpark.

Car insurance and Honda vehicles

Of the 53,480 Hondas that received a quote from our comparison service in 2018-19, more than 15,500 were Civics. The CRV and Jazz rounded out the top three quoted Honda models in our comparison service.

More than 80% of Honda owners compare comprehensive policy for their car, although roughly 12% of people who compared insurance for their Honda through our service in 2018-19 selected Third Party Property as their preferred level of cover.

Car insurance and Mercedes vehicles

The Mercedes C200 was the most quoted Mercedes model on our comparison service in 2018-19, but not by much; the C250 comes second by less than 200 quotes, followed by the C200K.

According to our comparison service, two of the three most-quoted Mercedes models drive a fair amount less than the average 15,000km per year. This is probably indicative of the flash and expensive nature of Mercedes vehicles; it’s probably fair to say they’re not always used to ferry the kids to and from after-school activities!

Like BMW owners, an overwhelming majority of people with Mercedes vehicles compared comprehensive insurance through our service in 2018-19 – around 93%, in fact. And like the BMW again, we can probably put this down to people wanting maximum protection for their pricey investment.

A Mercedes surrounded by nature.

A blue Mazda

Car insurance and Mazda vehicles

With the third-highest number of registered passenger vehicles in Australia,¹ Mazda vehicles accounted for more than 100,000 comparisons on our service in 2018-19. Most of these were for the Mazda 3, with the Mazda 2 and CX-5 models also enjoying their fair share of quotes.

A vast majority of Mazda owners who compared through our service preferred comprehensive cover to the Third Party levels; there were 94,310 comprehensive quotes for Mazda vehicles produced by our service in 2018-19.

It’s unsurprising again why most people would prefer comprehensive car insurance. Not only does it cover the damage you cause to another vehicle in an accident, but it also covers your vehicle in that event as well as damage caused by fire, hail, storms, theft and a whole lot more.

Car insurance and Subaru vehicles

The Impreza and Forester are the most-quoted Subaru vehicles on our comparison service; the third-place Liberty has only half the number of completed quotes as the Impreza and Forester.

All three Subaru models are driving more than the average number of kilometres each year, particularly Foresters and Liberties, which are clocking up an average of more than 17,000km per year according to our comparison service.

With these many kilometres under your belt – or rather on the odometer – it’s no wonder comprehensive car insurance is the most popular choice for Subaru owners who compared with us, with nearly 40,000 completed quotes on our service for a comprehensive policy in 2018-19.

A white Subaru on a field.

A brown Nissan car.

Car insurance and Nissan vehicles

Navaras, X Trails and Pulsars were the top three most-quoted Nissan models on our comparison service in 2018-19. Like Toyota and BMW before it, these Nissan models are all travelling a lot more than the average 15,000km per year.

Nissan Navaras quoted through our service are driving a particularly fair amount each year, averaging 19,311km in 2018-19!

Comprehensive insurance is, yet again, by far, the preferred level of car insurance for Nissan drivers that used our website. If you’re a Navara-owning tradie, you should check your comprehensive policy covers the tools of the trade you transport in your ute.

Car insurance and Holden vehicles

The beloved Holden Commodore leads the way as the Holden model with the most completed quotes through our service in 2018-19, trailed by the Cruze and Captiva. It also racks up the highest average kilometres per year; the Commodores quoted through our comparison service in 2018-19 averaged 19,650km that year.

Holden is also the second-most popular vehicle make on Australian roads, with more than 1.6 million Holden passenger vehicles registered as of January 2019.¹

More than 94,000 quotes for comprehensive car insurance for Holden vehicles were completed through our service in 2018-19, making it the choice of cover once again for the majority of people. Interestingly, just over 10,000 quotes were also completed for Third Party Property policies.

A red Holden on the side of the road.

A red Holden on the side of the road.

Car insurance and Audi vehicles

The Audi A4 was the most popular Audi model to be quoted on our site in 2018-19, followed by the A3 and Q5 but not by a huge margin. The A4s on our comparison service, however, are driving roughly 2,000km per year more than A3s and Q5s.

Unsurprisingly, comprehensive car insurance is the cover of choice for Audi owners that used our comparison service. Just over 20,200 comprehensive car insurance quotes for an Audi vehicle were produced by our service in 2018-19, compared to only 902 quotes for Third Party Property policies.

Like BMW and Mercedes owners, when you’ve spent a certain amount of money on your Audi vehicle, top level of cover could be a good option for you to consider.

It pays to compare

No matter the make of your vehicle, it pays to compare your options when it comes to car insurance. By comparing policies from a range of providers, you could potentially find a great deal on a policy with the features and benefits you need at a fantastic price.

Our car insurance comparison service can help you do just this! We host a wide range of policies from our panel of partners to make it easier for you to compare car insurance. All you need to do is enter a few details – including the make and model of your car – and in minutes, you’ll have a selection of policies to browse and compare. Simples!

Sources

1. ABS – 9309.0 – Motor Vehicle Census, Australia, 31 2019. Published July 2019. Accessed November 2019.

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