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All Australian insurance companies are not equal. Some car insurance quotes for example are good value for money, others are overpriced. Some firms are very easy to deal with, pay claims promptly and cheerfully, others are not. I worked in the insurance industry for a few years and I got to know who were the best and who were the rogues.

Here are my favourite insurance companies in terms of customer service and value for money, some offering very cheap car insurance:

AAMI
www.aami.com.au
ph 132 244

Allianz
www.allianz.com.au
ph 1300 137 664

American Home Assurance Co
1800 331 013

Catholic Church Insurances Ltd
1300 655 001

CGU Insurance Limited
1800 132 959

ING General Insurance Pty Limited
1800 023 387

GIO Workers Compensation
www.gio.com.au
ph 131010

NRMA
www.nrma.com.au
ph 132 132

QBE
www.qbe.com.au
ph 1300 791 874

Suncorp Metway Insurance Ltd
132 524

You can save hundreds of dollars by shopping around for your comprehensive car insurance. Choice Magazine found average annual savings across all states of:

$1650 for male/female young drivers and $870 for a family with a daughter/son.
$250 for single/couple adult drivers, $270 if driving with an older car, $420 if driving a 4WD, $460 if you had a recent at-fault claim.
$240 for an older driver. Just by shopping around!

Insurance Definition
Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of potential financial loss. Insurance is defined as the equitable transfer of the risk of a potential loss, from one entity to another, in exchange for a premium and duty of care.

Definitions of insurance from research on the Web:

1. Promise of reimbursement in the case of loss; paid to people or companies so concerned about hazards that they have made prepayments to an insurance company

2. A contract in which one party agrees to pay for another party\\\'s financial loss resulting from a specified event (for example, car insurance - a collision, theft, or storm damage). Lease agreements generally require that you maintain vehicle collision and comprehensive insurance as well as liability insurance for bodily injury and property damage.

3. In blackjack, a side bet that the dealer has a natural. Insurance is offered only when the dealers up card is an ace. The insurance bet wins double if the dealer has a natural, but loses if the dealer does not. Or more simply: The player bets that the dealer has a blackjack when the dealer\\\'s up card is an ace.

4. Protection against a specific loss over a period of time that is secured by the payment of a regularly scheduled premium. Eg; Workers Compensation, Car Insurance, etc

5. A contract whereby one undertakes to indemnify another or pay a specified amount upon determinable contingencies.

Auto Insurance Guide

Remember, companies can deny you cover if:

You didn’t answer questions properly
You gave wrong information when you bought or renewed the policy
Your circumstances changed between renewals and you didn’t let them know.
As a result, your insurance could be cancelled and your claim might not be paid.

You must tell the insurer any change to:

1. Your address
2. Use of the car (personal or business use)
3. Drivers (for example, if your son/daughter starts driving)
4. Any offences or fines
5. Driving record (including any accidents, even if you didn’t make a claim)
6. Modifications to the car (such as changes to the transmission or engine, mag wheels or tinted windows)
7. Condition of the car (for example, rust, deterioration or any unrepaired damage)

If you think any of this might have changed, always tell your insurer ASAP. .

More Tips:

1. Tell your insurer if drivers under 25 will be driving your car.
2. It helps to check if young drivers are excluded from driving.
3. You will need in most cases to list them on the policy & pay an additional premium for it.

Need competitive car insurance quotes or cover for other risks? Email me here info@insurancehq.com.au for some great advice!

Compare Car Insurance Quotes.

Tell me which state in Australia you live in and select the scenario that describes you best:
Under 25 male driver
Under 25 female driver
Family with under 25 male driver
Family with under 25 female driver
Single or couple adult driver on maximum No Claim Bonus
Recent at fault claim with an adult driver
Older auto with an adult driver, maximum No Claim Bonus
4 wheel drive with an adult driver, maximum No Claim Bonus
Driver aged 60 or over

and I'll let you know some great deals on Comprehensive, CTP Greenslip & Third Party Cover

About the Author:
This was written by Bruce Gow, the owner of http://www.searchengine-guy.com.au Bruce is a member of S.E.M.P.O., the Search Engine Marketing Professionals Organization. Bruce has gained Advanced Search Engine Optimization accreditation and has worked in the SEO industry for the past six years. This article is sponsored by http://www.clickfind.com.au