Car insurance can be very expensive (usually costing upwards of hundreds of dollars a year), but could save you much more in the event of an accident.
Applying for car insurance can be a timely process as you generally have to go through a lot of information with your provider before settling on a policy. This is where online car insurance can be a convenient option.
In total, we found 63 car insurance policies from 53 providers that allow you to apply for car insurance online without needing to speak to an advisor. You can see a selection of them in the table further down.
Car insurance policies that allow online applications
The table below displays a snapshot of car insurance policies on Canstar’s database that allow online applications, with links to providers’ websites. Please note the results are based on a driver aged 30-39 in New South Wales.
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Pros and cons of applying for car insurance online
Applying for a car insurance policy online could save you time but is not always guaranteed to be the better option. Below are some of the pros and cons of applying online.
- You can do it from home or on the go
Not everyone has time to contact an insurance company and sit on the phone during business hours, so applying through your computer or smartphone can certainly be more convenient.
- It can be easier to shop around
The process of obtaining quotes online can be more streamlined and straightforward than calling different insurers and taking note of all the information they provide.
- It’s fast
Some insurers make you wait on the phone for what seems like hours, and applying in person can be a lengthy process too. By applying online you can have everything ready and be done in as little as 10 minutes.
It is also worth noting there are plenty of insurers who offer discounts of around 10% to people who apply online.
- It isn’t always as accurate
While speaking to an advisor can be slow, this is usually because they ask more detailed questions than the ones you’ll be asked in an online form. This can result in fewer assumptions being made, sometimes leading to a cheaper and more suitable policy.
- It can be more challenging to learn about the insurance company
There is usually much more to an insurance company than what is listed on their website. Buying a car insurance policy online can make it harder to get a proper feel for the insurer, whereas speaking to an advisor about any questions you may have can generally give you a pretty good idea of what to expect.
How to apply for car insurance online
To summarise, researching and applying for car insurance online is generally a fast and convenient way to get covered, but can be a more impersonal method.
If you’ve decided you want to apply online, these steps should help you on your way:
- Plan ahead and know what kind of cover you require.
- Have your car details on hand such as the manufacturer, make, model, transmission type and registration.
- Have your personal details ready such as contact details and your driver’s license number.
- Compare car insurers by evaluating the levels of cover they offer as well as their features.
- Click the relevant ‘apply’ or ‘get quote’ button on the provider’s website. You can easily access these links through Canstar’s comparison tables.
- Fill out the relevant details and await to hear about your policy.
For more details on car insurance and all things cars, visit Canstar’s car insurance page: