How much is everyone paying for comprehensive car insurance?

State your annual premium + company.
Does it include windscreen and hire car?

Just wanted to get an idea of what everyone's paying in today's market. Feel free to comment on the quality of your company, such as customer service, ease of making a claim etc.

Comments

  •  

    $2100 (max bonus protection)

    RAC(WA) 18' Toyota Prado

    100k agreed value, with all accessories.

    No excess, include car hire and windscreen (no excess)

  •  

    And here I thought I was getting ripped off from increase of $200 to $250 for a 2008 Mazda for SGIO and $300 to $350 for a 2012 Mazda for AAMI since last year. Increase is much higher than CPI. Is it better to shop around or stay loyal? It used to be better for shopping around but recently I found it seems better to be loyal… I called AAMI about the recent 20% off offer for second insurance. It turns out to be more expensive if I were to cancel the old one, get a new one with 20%. Go figure. I complained about it and managed to knock $20 off while maintaining excess and agreed value.

  •  

    Allianz $1400
    Only got this price because I also have another car which put me out of the high risk category… (otherwise would be $2000-3000 at least)
    AAMI was quoting me $4000…

    BMW 2015 (MY2015) 328i
    Value at $38000 (odd) - market value
    Excess at $850 + $600 (under 25)
    No car hire nor windscreen cover

  •  

    $367 with Kogan - Hyundai i30 2008
    Pay per kms - limited to 6000 kms per year

  •  

    $772 RACV comprehensive

  •  

    $1,500. 2014 VW CC V6 with Allianz. Includes windscreens.

    I tried every outlet and bang for buck Allianz came out best.

  •  

    $415.62 - 2009 VE Commodore - BankSA

  •  

    $1092 - 2005 Honda Civic - agreed value $7.3 - SGIC

    • +3 votes

      Now this is nuts, 15% of the agreed value per annum? Do you have a terrible driving record, or live in a bad suburb?

      • +1 vote

        Not to both. Good points. Probably should look at changing. Just did a comparison and could get market value for $300 a year. Complacency

        •  

          complacency and lazy tax is the reason why us ozbers find good deals. By ripping 'you' off companies can afford to provide decent deals to the highly astute. But yeah we don't want to see a fellow ozber in that category so hurry up and change :)

          just for giggles try to get a quote as a new customer from SGIC to see if there's a price difference. Just put down your neighbour's address and some random personal details to bypass any algorithms

        •  

          You're lucky I only charge a 50% commision on getting people's asses into gear.

  • +1 vote

    Was $1800 for a Honda crv when I lived in a capital city, dropped to $565 when moved regional with $850 excess, I have the lowest saftty rating, so no additional discounts. Same market value at around 22k. Full comprehensive with window and unlimited car hire. Aami, which is now owned by Suncorp. I was shock at the drop, but they did mention the premium differs based on location especially crime rate, I take it big cities has more car theft going on >.<

  •  

    $2391 - 2014 VW Golf $17025 agreed value, $1695 excess, parked on street in postcode 2036, 24 year old male with no accident history with AAMI.

    It's a rideshare policy so might explain the price (all other insurers with rideshare coverage were slightly more expensive)

  •  

    Do some (hard) work, yourself.

  •  

    $2500/year for my CLA

  •  

    2 years ago I was paying $220 / month for a HSV (Male, 26, insured for $55,000) with RAC in WA.

    It's now dropped down to $180 / month for $47,000.

    *Funny story, I was disqualified from driving my own car for 6 months (I didn't realise I was disqualified until they sent me a renewel notice) and it said on the bottom my insurance becomes void if it's in the control / care of Jarryd (me). Turns out I was automatically disqualified on the system as I had made 5 claims within 2 years (all not at fault).

    I've been rear ended 3 times and side swiped twice, thankfully I had a dash cam as both times they've claimed I turned into them.

  •  

    1300 CGU for Tuscon .

  • +1 vote

    When putting in a quote, try putting in your neighbours address instead of yours.

    Most insurance quote systems have an "existing customer" address check.

    If they show that you're an existing customer, the quote will be $100-150 more.

  •  

    2x Japanese cars about 5 years old. Less than $500 each. No windscreen or hire car.
    One is with Coles insurance and the other RACV.
    Both drivers over 35.

    •  

      5 star No-Claim Bonus, clean driving record and no claims history I'm assuming.

      •  

        Driving history is good. I have one claim, no fault about 7 years ago, reasonable damage to car whilst parked. Wife has one claim, no fault, t-bone car written off.

  •  

    $1054 Huddle, Honda Civic RS 2019, 32k value,including 2 drivers and roadside

  •  

    Woolworths Insurance

    2019 - 1092 - includes road side assist and 1 x excess free window each year.
    2018 - Only paid 700 for the same, it seems they knew how popular this car was and jacked up the pricing

    Also I did a test again with woolies, the price now went up to 1200 for the exact policy I am on now…

  •  

    $468 Woolworths

  •  

    $999 p/a
    '15 Mazda 3 SP25
    Suncorp Comprehensive Advantages
    Includes:
    Windscreen and window glass cover
    Hire car after an event for unlimited days
    Lifetime new for old car replacement

  •  

    Just switched from AAMI to CGU (via Peoples Choice Credit Union).

    2015 Honda Odyssey, agreed value $27k, excess $600, comprehensive with hire car and windscreen options, named drivers only. AAMI renewal quote was $1650, CGU was $1250.

    It appears that CGU has a bunch of affinity partners which sell the exact same policy, Peoples Choice was the cheapest of them.

    •  

      CGU are great to deal with if you make a claim. Made a windscreen claim and 2 mins later got a call from Obriens to book it in.

  •  

    $865.65 P/a with RAC WA -inc Hire car cover.

    for 2018 SUBARU FORESTER 2.5i-S

    25+ old

  •  

    Premium/excess is useless without knowing the capital city it's insured in.

    My premium was halved when I changed one of the cars from parking overnight in Sydney to Canberra.

  •  

    Used to pay about $320 a year on my agreed value $5k VY V6 Commodore, with hire car and windscreen, full comprehensive, QLD. Under fathers name with RACQ. He had Gold member discount, multi-policy discount, Rating 1 discount, and I think one more. Was so damn cheap.

  •  

    1095 per year

    now its 1296 because i hit a wall :D

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