31 Online Car Insurance Discounts And Sign-Up Offers - July

Originally written by Dominic Beattie

It’s common for car insurers to provide discounts and special offers to attract new customers, so whether you’re looking into car insurance for the first time or deciding whether to renew your existing cover, it could be worth shopping around before you make a final decision.

When did you last review your car insurance? If it has been a few years, you might find that you could clear some space in your regular budget by comparing policies and taking a look at what’s on offer.

While an upfront discount shouldn’t necessarily be the sole reason you choose one car insurance policy over another, it can be a nice cherry on top if you’ve compared policies and found the best-value product for you just happens to have a sign-up offer attached.

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Below are some of the discounts and incentives found on providers’ websites (at the time of writing) for buying car insurance online. The discounts are from a wide range of insurers on Canstar’s database, and are typically in comparison to the standard premium paid for a new policy purchased through the provider’s call centre or brick-and-mortar branch. Check with your insurer to confirm the expiration date, eligibility criteria and any other details of any sign-up offer you are considering.

Company	Online discount/incentive
AAMI	Get one year free AAMI Roadside Assist and save $50 on a new comprehensive policy when you buy online before 10 July 2020. Save $20 on a new third party property damage policy by buying online. Check with AAMI for eligibility requirements and other T&Cs.
Allianz	Save up to 15% on your first year’s premium when you buy a new comprehensive car insurance policy online. Check with Allianz for eligibility requirements and other T&Cs.
Apia	Get a 5% discount when you get a comprehensive car insurance quote and buy a new, eligible policy online. Check with Apia for eligibility requirements and other T&Cs.
Australia Post	Save 15% when you purchase a new Gold Comprehensive, Third Party Fire & Theft or Third Party Property policy online. Check with Australia Post for eligibility requirements and other T&Cs.
Australian Seniors Insurance Agency	Save up to 20% on your first year’s premium when you buy a new policy online (get a 10% discount for buying online, a 5% discount for excluding drivers under 25 years of age, and a 5% discount if you hold a Seniors Card). Check with Australian Seniors Insurance Agency for eligibility requirements and other T&Cs.
Australian Unity	Save up to 25% on your first year’s premium when you buy a new comprehensive motor insurance policy online and select the Named Driver option as an Eligible Safe driver. Check with Australian Unity for eligibility requirements and other T&Cs.
BankSA	Save up to 25% on your first year’s premium when you name your driver and buy a new comprehensive car insurance policy online. Check with BankSA for eligibility requirements and other T&Cs.
Bankwest	Get 10% off your premium when you apply online. Check with Bankwest for eligibility requirements and other T&Cs.
Budget Direct	15% discount on the first year’s premium when you buy a new car insurance policy online. Check with Budget Direct for eligibility requirements and other T&Cs.
Coles Insurance	Save 10% when you buy car insurance online. Check with Coles Insurance for eligibility requirements and other T&Cs.
Commonwealth Bank	Save up to 10% on your premium when you apply online. Check with Commonwealth Bank for eligibility requirements and other T&Cs.
GIO	Get 10% off and a free year of GIO Roadside Assist when you buy a new Comprehensive or Platinum Car policy online before 31 July 2020. Check with GIO for eligibility requirements and other T&Cs.
HSBC	Get up to 10% off your first year’s premiums when you buy a new comprehensive motor insurance policy online. Check with HSBC for eligibility requirements and other T&Cs.
Hume Bank	Save up to 10% off the first year’s premiums when you buy a new comprehensive car insurance policy online. Check with Hume Bank for eligibility requirements and other T&Cs.
Kogan	Save up to 10% off your first year’s premiums when you buy online (made up of a 5% online discount and a further 5% discount for excluding drivers under 25), and receive $50 of Kogan.com credit when you buy a new comprehensive car insurance policy. Check with Kogan for eligibility requirements and other T&Cs.

Company	Online discount/incentive
NAB	Save up to 10% when you buy a new comprehensive car insurance policy online (first year only) and obtain 12 months of roadside assistance at no extra cost. Check with NAB for eligibility requirements and other T&Cs.
National Seniors Insurance	Purchase a new comprehensive car insurance policy online and save up to 10% on your first year’s premium. Check with National Seniors Insurance for eligibility requirements and other T&Cs.
Over Fifty Insurance	Save up to 10% on your first year’s premium when you buy a new comprehensive car insurance policy online. Check with Over Fifty Insurance for eligibility requirements and other T&Cs.
Qantas Insurance	Get up to 20,000 points when you join or switch to Qantas car insurance. Earn one point per $1 spent on your premium, and get the full 20,000 points if your policy is worth $1,550 or more per year. Check with Qantas Insurance for eligibility requirements and other T&Cs.
QBE	Save $75 when you buy new comprehensive car insurance online. Check with QBE for eligibility requirements and other T&Cs.
RAC	Get up to $100 off your first year’s premium when you switch to RAC comprehensive car insurance online or $30 when you switch online to RAC’s third party or third party fire & theft car insurance policies. Plus, get up to 25% off comprehensive car insurance for a low emissions car. Check with RAC for eligibility requirements and other T&Cs.
RACQ	Get a $50 discount when you buy comprehensive car insurance online. Check with RACQ for eligibility requirements and other T&Cs.
Real Insurance	Save up to 10% off the first year’s premium when you buy online (consists of 5% for applying online and 5% for excluding drivers under 25). Plus you could save up to $220 with Pay As You Drive. Check with Real Insurance for eligibility requirements and other T&Cs.
SGIC	Save $100 when you buy a Comprehensive or Comprehensive Plus car insurance policy online, or $20 when you buy a third party property damage or third party Fire & Theft car insurance policy online. Check with SGIC for eligibility requirements and other T&Cs.
SGIO	Save $100 when you buy a Comprehensive or Comprehensive plus car insurance policy online, or $20 when you buy a third party property damage or third party Fire & Theft car insurance policy online. Check with SGIO for eligibility requirements and other T&Cs.
Shannons	Generate a quote or take out a new eligible motor policy before 31 August to go into the running to win up to $52,000 in prizes. Check with Shannons for eligibility requirements and other T&Cs.
St.George	Save up to 25% on a new comprehensive car insurance policy – up to 10% discount on your first year’s premium for buying online, up to 10% safe driver discount for eligible drivers and up to 5.8% discount when you select the named driver option and list all your drivers on the policy (higher excesses may apply for unnamed drivers). Check with St. George for eligibility requirements and other T&Cs.
Suncorp	Get $50 off and free Suncorp Roadside Assist for a year when you buy comprehensive car insurance online. Offer ends 10 July and is not available in conjunction with other offers. Get $20 off when you buy Third Party Property Damage or Third Party Fire & Theft insurance online. Check with Suncorp for eligibility requirements and other T&Cs.
Virgin Money	Receive a $100 e-Gift card when you purchase a new eligible Virgin car insurance policy by 30 September, 2020. Save 15% on a new Price Saver comprehensive policy when you buy online. Discount does not apply to renewals. Check with Virgin Money for eligibility requirements and other T&Cs.
Westpac	Save up to 25% on a new comprehensive car insurance policy – up to 10% discount on your first year’s premium for buying online, up to 10% safe driver discount for eligible drivers, and up to 5.8% discount when you select the named driver option and list all your drivers on the policy (higher excesses may apply for unnamed drivers). Check with Westpac for eligibility requirements and other T&Cs.
Woolworths	Price beat on comparable comprehensive car insurance renewal offers for drivers aged 25 and over, plus save up to 15% when you buy online (5% promotional discount, 5% online application discount and 5% discount for excluding drivers under 25). You can also receive 10% off your Woolworths grocery shop once a month, up to a value of $500 in a single transaction (excludes Tasmania). Check with Woolworths for eligibility requirements and other T&Cs.

Source: Providers’ websites. Information gathered 3 July 2020.

NOTE: Some of these discounts might not apply to extra premiums for optional covers (such as windscreen cover). Also, the discount or saving usually only applies to the first year of premiums. Be sure to read the full terms and conditions of the offers before you apply.

Keep in mind…

While discounts and bonuses can sound great, keep in mind that a policy offering an online discount isn’t always better value than one that doesn’t offer one. It’s important to take into account the quality of the coverage you’re getting for your money.

If you’re considering car insurance policies, the comparison table below displays some of the policies currently available on Canstar’s database for a 30-39 year old male seeking cover in NSW without cover for an extra driver under 25. Please note the table is sorted by Star Rating (highest to lowest) followed by provider name (alphabetical) and features links direct to the providers’ websites. Use Canstar’s car insurance comparison selector to view a wider range of policies.