Car Insurance

[SARBAZ]

Hi guys,

Got my lancer Activ on Friday New wheels are going to be purchased tomorrow Also, going to do some vinyl stuff

Anyway, just wondering which insurance company in Melbourne do you guys recommend to pamper Lancer? RACV, AAMI or any other one? I know both of them quite the same, RACV excess fee is $550 while AAMI is $625! I just want to make sure if it needs to be repaired, it goes to a good repair center! It seems that RACV approved centers are doing a better job!?

Any suggestions are welcomed.

Cheers,

[ijustatecurry]

Shop around online mate, get a quote from as many sites as you can. In regards to quality of care, RACV would get the nod over AAMI - choice of repairer is a massive bonus

[Fitter]

Cheaper isn't always better with insurance. I'm with AAMI with full comprehensive insurance and they cover my entire competition stereo whereas no one else would.
$95 a month

[SARBAZ]

Thanks guys for the reply.

In my situation, if I go with RACV, my premium would be $850 for a $27000 agreed value as I have added sat nav, fog lights to the car as well while AAMI asks for $725!

$100-150 is not that much, just need to know which of them do a better job about repairs! AAMI says they use genuine parts if the car is less than two years old! Don't know about RACV!

[Fitter]

Seems on par for cost as mine is covering over $30k in audio gear + car.
I only have an ES lancer. So my base cost is less then and activ and I got a huge discount due to my sister
Working at dealership I got my car
From (agreed value is still the normal price though)

[BZC-45S]

+1 RACV.

I'm with my state's equivalent (NRMA). Yes, there are a handful of other cheaper insurers (Progressive offers lowest possible premiums in a lot of cases), but for me - it came down to in a dispute over third party at fault claim, I want the biggest, baddest, largest insurer with the most legal resources representing my interests.

I haven't been impressed with AAMI's repairs through their certified repairers' network... Choice of repairer should definitely not be overlooked.

[The X]

I've heard stories about some companies that will "force" you thru to their repairer and using non-genuine or recycled/salvaged OEM parts from other wrecks (which really is no problem if the "new" part is un-damaged and stuff) - but at least be upfront about it. I pay top dollar for insurance, don't try and profiteer underhandedly. But that's insurance companies, they're a business after all.

Anyway I'm with NRMA (similar to your RACV down there). Even when I put all the exact parameters for my renewal last week (same agreed value, excess, NCB and multi policy discounts) - my printed renewal is still is cheaper than the online quote by around $150 or so. No idea why....

I know with NRMA at least on the agreed value policy, you can change the excess if you wish to adjust your premium... not sure if you can do that with RACV online quotes....

At the end of the day, your decision comes down to what you're after.
If you're young, you're probably going to be involved in a bingle sooner or later...
If you're older and know your driving behaviour you might be a safe driver and can afford to up your excess in return for a lower premium....

Cheapest premium to get you by and you don't care about the quality of the repair or how it's done.
OR
Best value (not necessarily the most expensive) to help you when things go to hell and get the quickest and best outcome for you.

[SARBAZ]

Thanks guys again. I am turning into 32 this Friday, been driving since 18, luckily no crash since day one so I am not worried about my driving behavior! Just worried about other people, thefts, hails and some unpredicted damages! I am going to get a quote from RACV in person to see if there would be any difference than their online one!

Thanks again for your help

[Sushi]

I'm with allianz paying $144 a month, I've clamed tho when sushi got hit n it also covers my car loan if my car gets totaled. I'm changing insurers soon.

[Sir Lancer-lot]

With Shannons and have choice of repairer which has been great for previous cars....