FAQs
11. Are there different ways I can adjust my car insurance premium?
At Budget Direct, to help you get the right price, we allow you the option of tailoring your policy.
You can restrict drivers by age, which will reduce the level of perceived risk, therefore lowering the premium you need to pay.
At Budget Direct we believe that if you are a good driver and your car insurance company has all the right information and is evaluating your risk level effectively you should not have to pay exorbitant prices.
Other optional benefits include:
- Reduce your windscreen excess
- Protect your No Claim Discount
12. What are some of the factors which contribute to why I have a different car insurance premium to my friends?
Car insurance premiums are calculated based on the level of 'risk' the insurance underwriters associate with you and your car. So simple factors that differentiate you and someone else contribute to the assessment of 'risk'.
Risk is primarily affected by the make and model of the car, the age of the driver/s and the driver's history, as well as residence. For example, not all insurers treat each suburb the same. In addition where you park the car at night will often affect your premium.
Your driving history and the frequency of claims are also considered carefully.
Our underwriting is more comprehensive than most other car insurers, which allows us to offer more competitive rates to Australian drivers.
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