There’s a quiet trend afoot in Australia at the moment. You won’t notice it on the news, but you may have noticed it on the roads. More and more Australians are converting into part-time drivers.
They’re changing to part-time status for a number of reasons. Some are retired and driving less. Some are becoming stay-at-home parents. Others take public transportation to work, so they only use their cars on the weekend. Working from home is also becoming more popular, allowing former road warriors to work from the comfort of their couches.
Unfortunately, most Australian car insurance companies aren’t keeping up with the times. Instead, they are continuing to offer customers standardized premiums based on full-time driving habits. This disadvantages those people who use their cars just a few days a week, or only on the weekends, as they’re paying for coverage they really don’t need.
The fact of the matter is that in these tight times, neither you nor anyone else should be paying for something they aren’t using. If you only use your car part of the time, you shouldn’t be paying the same rates as a full-time driver. You need something better than a standardized premium offer.
It would be more appropriate for you to pay for insurance coverage tailored to your specific situation. How often are you really using your car? Maybe you only drive weekends, or just drive two or three times during the entire week.
It can be hard to get this across to most insurance companies, even though they are aware that it changes things. They understand that different days of the week are riskier than others. Numerous studies have been done to tell their calculators the most dangerous driving days of the year, and they can figure it month by month as well.
Yet despite all this data at their fingertips, only a few car insurance companies take the time to really differentiate between different driving behaviours. These insurers know about those people who only use their cars a few days a week have different risk profiles than full-time drivers. They understand how to learn this about you, and how to do it quickly.
The key is a tailored insurance quotation process that asks more questions than the standard method. While it seems a bit inquisitive, the more an insurance company knows about typical vehicle use the more likely it is to offer an appropriately priced premium for the level of risk assumed. Learning about how you are really using your car can get you a premium tailored to your specific specialised driving situation.
Even better for you is that this tailor made process is fully automated. It can be done online in a matter of minutes. The additional questions are analysed almost instantaneously.
You may be surprised at the results. Premiums based on accurate risk profiles are often lower than the standardized rates. Thus, if you’ve been a part-time driver paying full-time prices for years, it’s time to try another way.
Youi offers tailor-made car insurance that could save you lots of money. At Youi we ask the right questions so that you don’t pay for car insurance you don’t need. You interested? Go to youi.com.au for a smarter way of doing
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