30 online discounts and sign-up offers for car insurance

It’s common for car insurers to provide discounts and special offers to attract new customers – so it’s worth shopping around before you renew your cover.

When did you last review your car insurance? If it has been a few years, you might find that you could save some serious cash by shopping around.

There’s no excuse for not comparing car insurance policies. After all, you do get the reminder notice in the mail and, with the exception of a few companies, you do need to manually make the payment to renew the cover. Also, you can attract some fantastic discounts by switching your policy online.

Great online discounts and sign-up incentives available (as at September 2017)

Offering discounts for applying for or purchasing new policies online has become common practice amongst insurance providers. They offer them to encourage more people to apply online because it’s a more efficient process than over the phone or in a branch, with lower overhead costs for the company.

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Below are some of the great discounts and incentives found on provider’s websites (at the time of writing) for buying car insurance online. The discounts are typically in comparison to the standard premium paid for a new policy purchased through the provider’s call centre.

Please note that the star ratings for any products displayed below are based on a male aged 30-39 living in WA who does not require cover for a driver under 25. 

Company Online discount/incentive
1300 Insurance Buy online and save 10%
1Cover Buy online and save 10%
Company Online discount/incentive
AAMI Save $100 on a new comprehensive policy or $20 on a new third party property damage by getting a quote online
AI Insurance Up to 20% discount when you buy online
Allianz Save up to 24% when you name your drivers and buy your policy online
ANZ Receive a 5% discount on premiums for the first year you take out a policy if you’re an ANZ Breakfree Package holder
Apia 15% discount when you request a quote for a new comprehensive policy online
Australia Post Save 15% if you buy a Gold Comprehensive car insurance policy online
Australian Seniors Insurance Agency Save up to 20% when you buy online
Australian Unity Get a $100 BP fuel voucher if you buy a new car insurance policy before 31 December 2017
Budget Direct Save 15% on a Comprehensive or Third Party car insurance policy when you buy online
Company Online discount/incentive
Bupa 10% discount on car insurance for Bupa health members
Coles Insurance Save 10% when you buy your car insurance policy online
CommInsure Get up to 10% off when you apply online.
Company Online discount/incentive
HSBC Save up to 10% online
Hume Bank Save up to 10% when you buy comprehensive car insurance online
Company Online discount/incentive
NAB Buy Comprehensive car insurance online and save up to 10% off first year’s premium + free roadside assistance for 12 months
National Seniors Insurance Purchase comprehensive car insurance online and get up to 10% off + go in the draw to win a 13 night New Zealand Cruise with Princess Cruises including airfares for two
Over Fifty Insurance Up to 10% online discount + 12 months’ roadside assistance
RAC Get a $100 discount when you buy a comprehensive policy online
RACQ Get a $50 discount when you buy comprehensive car insurance online
Real Insurance Save up to 10% when you buy online
SGIC Save $100 when you buy a comprehensive car insurance policy online, and $20 when you buy a third party car insurance policy online
SGIO Save $100 when you buy a comprehensive car insurance policy online, and $20 when you buy a third party car insurance policy online
Company Online discount/incentive
St George Buy comprehensive car insurance online and save up to 10% in the first year of your policy
Suncorp Buy car insurance online before October 31 2017 and be entered in the draw to win one of 100 $1,000 cash prizes
Virgin Money 15% off a Price Saver comprehensive policy online. Bonus 10,000 Velocity Points for active Velocity members who take out a new car insurance policy before 31 October 2017
Company Online discount/incentive
Westpac Save up to 10% when you buy a comprehensive car insurance policy online
Woolworths Money Guaranteed price beat (for drivers aged 25 and over) + save up to 10% online.

Source: Providers’ websites. Information gathered 22nd September 2017. Correct at time of writing. 

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 sound great, keep in mind that a policy offering an online discount isn’t always better value than one that doesn’t offer one. You’ve got to take into account the quality of the coverage you’re getting for your money.

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