How to save on your car insurance

Make your car more secure

Make your car more secure. You can usually save on your insurance by making it more difficult for thieves to break into or steal your car.  You could pay less for your insurance if you have a NZ Standards Approved car alarm or immobiliser professionally installed.

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Insure your car accurately

Insure your car accurately. Think carefully about whether you need comprehensive insurance, or third party (which only covers the damage you do to someone else’s property), or third party, fire and theft.  With AA Insurance RoadCover Plus, our comprehensive car insurance, we’ll agree with you up front about the value of your car – it’s called Agreed Value.  But if your insurance policy says “market value” and your car is written off or stolen, you’ll receive what the car was worth that day, not what it will cost to replace.  It can be an unwelcome surprise.

Check out our car insurance pages for more information to help you make the right choice.

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Package deals

Package deals.  If you have more than one type of insurance with us – for example Home Insurance and Contents Insurance – you may be eligible for a discount.

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Stagger your payments

Stagger your payments. You may find it easier to make fortnightly or monthly payments over the year instead of paying your premium in a single lump sum. This will usually cost a little more but it’s worth considering if you find it difficult to budget for a single payment. It can also help to spread the renewal dates for different types of insurance over the year, renewing insurance on your car in March, your house in June and the contents in October.

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Choose flexible excess options

Choose flexible excess options. This is your share of the cost when you make an insurance claim.  If you agree to pay more, it usually means your insurer discounts your premium. However, be sure that you’d be able to afford the excess amount you’ve selected if you do need to make a claim.

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Are you getting the best deal?

Check that you’re not paying more than you need to. Make sure you are receiving all the benefits you qualify for, such as a No Claims Bonus.

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Shop around

Shop around. Firstly, be sure about the cover you need – or don’t need – and then shop around for the best deal.  But remember, the best deal might not be the cheapest one.  It’s no bargain if your insurance doesn’t offer the things which matter to you.

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