The cost of owning and running in a car in Australia can quickly get out of hand. Cheap car insurance QLD can help you keep your costs low when you choose an insurance provider who offers premiums based on how you drive and how many kilometres you are driving. UbiCar does things a little differently. Rather than offering you a general premium based on age, gender and the region that your car is garaged in and mostly driven, we offer customers a simpler and fairer way. With UbiCar, you can manage your car insurance coverage with our state-of-the-art driving app which collects data about how safely you drive and collects distance data so you can pay for your insurance by the km.

Some types of insurance are not negotiable. To register and drive your vehicle anywhere in Australia, for example, you are required to obtain CTP insurance. Otherwise known as a green slip, this insurance type covers the cost of death and injury you may cause while driving but it does not cover your vehicle for any damage sustained in an accident or collision. For that, you need comprehensive car insurance and we offer cheap car insurance for drivers right across Australia, including NSW and SA, QLD, WA, TAS, Victoria, ACT and the NT.

For other types of insurance, like comprehensive insurance, you can shop around a bit to find the best deal. When you request a quote for cheap car insurance Brisbane, the insurance provider you have chosen will assess your policy and premium based on factors like the age and model of your vehicle, the youngest age of any driver of your vehicle, how many kilometres that you travel every year, the theft and accident figures in your primary driving area like Beenleigh or Fortitude Valley, or whether you’re in a more rural region with fewer cars on the road. They will also request your personal driving history to assess how many previous insurance claims you have made and what your licence demerit point status is. All of this information helps the provider to analyse what kind of insurance risk your policy poses and the higher the risk factor, the higher the premium cost.

People with less driving experience can make poor decisions on the road which end up causing minor accidental damage and while they’re learning, their statistical chances of having a crash or bumping into objects is much higher. Unfortunately, factors that will drive your risk profile up very quickly include any young drivers who may be driving your vehicle at any time. The accident and safety statistics for drivers under 21 and under 25, particularly younger male drivers, show clearly that less experienced vehicle owners on the road are much more likely to need their comprehensive car insurance. Because of these statistics, the individual driving style and safety of a younger driver is not taken into account and a younger or learner driver may be required to pay a much higher premium than may be strictly necessary.

If you’re looking for cheap car insurance QLD that will cover a young driver, or if you are a young driver yourself, you can usually negotiate ways of helping to reduce your yearly insurance premium like opting for a higher excess amount. The excess amount is the cash lump sum you pay your insurance provider in the event of a claim made on your comprehensive cover policy. The excess amount is not a set amount and can usually be decreased or increased depending on the flexibility of the provider. One of the best ways to reduce your yearly premium is to then opt for increasing the excess amount and essentially take the risk of an accident upon yourself. This will mean that you’re less out of pocket throughout the year but if you do need to make a claim, that your excess amount could be as much as twice the regular cost. Alternatively, if you’re worried about keeping your excess lower, you can opt to pay a higher yearly insurance premium instead.

For younger drivers in particular, the level of cover can help to keep car costs down. Comprehensive car insurance covers all vehicles in a potential collision or the driver’s vehicle should they have an accident and hit a stationary object. The premium for this type of insurance is higher because the risk the insurance provider covers the cost of repairs or replacements for every car involved in an accident. If you’re driving through Brisbane or surrounding city suburbs on a regular basis, then your chances of causing or sustaining damage in an accident are much higher than less densely populated areas like Rockhampton and Townsville.

When looking for cheap car insurance QLD then consider other types of cover like Third Party Fire and Theft. This coverage will insure you against the costs of repairs or replacements to a third party’s vehicle but does not cover the driver’s vehicle in the event of an accident. Should the car be stolen or vandalised, however, then the car is covered. Premiums for this kind of cover are lower than comprehensive cover and if your vehicle is older model then this could be the best type of cover for you, fitting with your budget and giving you affordable piece of mind while you’re on the road. You can collect quotes online quickly and easily, and compare premiums and coverage to find the best fit.

Professional rideshare drivers like Uber drivers will require some form of insurance for their vehicles to qualify for a driving position. In the case of Uber, you do not have to have comprehensive vehicle insurance and can opt for third party fire and theft instead.

To find cheap car insurance QLD, choose a provider who really does reward safe drivers like UbiCar. Using our app, you can accurately insure your vehicle your way, paying only for the coverage that you need.