Why bother comparing car insurance quotes?

You might be wondering, “Why should I compare quotes?” It’s not just about hunting for the lowest price, though saving money is always nice. It’s about finding that balance between affordable premiums and solid coverage that actually protects you when it matters.

A super cheap online quote might look tempting, but if it leaves you high and dry in critical situations, it could cost you more in the long run.

Here’s how comparing quotes can help you:

• Get the cover you need: Some insurers throw in extras like roadside assistance or rental car coverage, while others keep it basic. Knowing what each quote includes is key to making a fair comparison. For a closer look at what standard car insurance covers, check out our guide on car insurance coverage.

• Spot the best value: Remember, value isn’t just about the price. Look at factors like customer service reputation and how easy it is to make a claim. Those little perks can save you time and hassle. If you’re interested in what goes into finding the right insurer, see our blog Key Factors in Choosing the Best Car Insurance.

• Find a match for your driving style: Everyone drives differently, and comparing quotes lets you find a policy that matches your driving habits and personal preferences.

Want to cut down your car insurance costs? Check out these savvy tips to save money without sacrificing the protection you need.

How to snag the best car insurance quote

When you’re on the hunt for quotes, keep these important factors in mind:

• Coverage level: Do you need all the bells and whistles of comprehensive coverage, or will third-party-only do the trick? Comprehensive coverage might cost more upfront, but it offers peace of mind with higher protection

• Excess amount: This is what you’ll pay out of pocket if you make a claim. Higher excesses usually mean lower premiums, so think about what you could comfortably afford if something happens.

• Extra benefits: Some policies come with bonuses like free roadside assistance or a courtesy car while yours is in the shop. These extras can be super handy!

• Discounts and rewards: Many providers offer discounts for having a clean driving record or bundling multiple policies together. Don’t miss out on those! For more tips on saving, check out our blog Smart Ways to Slash Your Car Insurance.

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Your car type and where you live can really impact your insurance quote. Here’s how:

• Car Model and year: Newer or high-value cars often cost more to insure because repairs can be pricier. And some models—especially EVs—might have unique repair needs that impact your premium.

• Location is uber important: Living in a bustling city like Auckland might mean higher premiums due to theft or accident rates. On the flip side, rural areas could get you cheaper quotes! To understand why premiums might seem high, check out our blog Why Is Car Insurance So Expensive?

What’s the biggest factor affecting your premium? For many, it’s the car type. EVs, for example, tend to have higher repair costs, which can raise premiums. But your location and driving history play big roles too—especially if you’re in a high-traffic area.

Why compare car insurance quotes with Quashed?

Why use Quashed?’ Here’s why: Quashed makes comparing car insurance simple and stress-free, showing you all your options side by side so you can choose the best fit for your needs. We help you balance affordable premiums with reliable cover that has your back when it counts.

• See all your options in one place: Each provider offers different perks. With Quashed, you can quickly see what’s included—roadside assistance, rental car cover, or unique benefits like innocent party protection. No need to dig through endless websites!

• Choose quality with confidence: Value is more than a dollar amount. With Quashed, you can view customer service ratings and financial strength scores from A+ to AA-, helping you choose a provider that’s affordable and reliable.

• Customise based on your needs: We all drive differently, right? Quashed lets you refine options based on driving history, coverage needs, and budget, making sure you’re matched with a plan that suits your life perfectly.

For a complete overview of car insurance in New Zealand, take a look at our Motor Insurance NZ Guide.

Tips for finding Your perfect quote

Here are some handy tips to help you find the best car insurance plan:

• Use comparison tools: Use Quashed let you see car insurance quotes side by side—super helpful for quick comparisons!

• Check for membership discounts: If you're an AA member or have other memberships, see if any discounts apply. Some insurers reward loyalty or a clean driving record too.

• Consider bundling policies: Combining policies (like car and home insurance) can score you some nice discounts.

• Reassess annually: Insurance rates change all the time! Taking another look at your options each year ensures you're not overpaying. Read our blog Comparing Insurance Costs for Top Cars in NZ for insights on costs across popular vehicles.

Finding the right car insurance plan in New Zealand is all about comparing your options! By gathering quotes and weighing factors like coverage and extras, you’ll discover a plan that protects you without breaking the bank.

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Quashed makes it super easy to compare car insurance quotes in New Zealand—all your options in one place! Sign up with Quashed today and find your perfect car insurance quote so you can drive with peace of mind!