With the economic situation still uncertain, you don’t want to be overpaying for anything. Finding the cheapest car insurance possible is probably on your to do list, just as it is for many other Australians. However, you also don’t want to cut things down so far in your quest to save money that you lack adequate car insurance cover in the event of an emergency.

Many so-called bargains can actually cost you in the end. A low, low premium can quickly go up due to one single windscreen claim. Alternatively, you can find yourself without the cover you need to fix your car or pay your bills after an accident thanks to limits that kept your rate low while leaving you vulnerable in a loss situation.

Fortunately, finding the cheapest car insurance doesn’t have to mean cutting corners or accepting cover that doesn’t really meet your needs. All you need to do is find a policy that isn’t a standard issue edition, but rather something custom built just for you. Seeking out this kind of personalized premium quotation can save you quite a bit of money whilst still providing excellent coverage.

Personalized insurance cover provides real savings, especially if you have a unique driving profile, like a stay at home parent, retired person, part-time driver or student. You can also get discounts for safe parking habits, taking public transport on your commute, or only driving short distances. Traditional insurance companies don’t often look at these items, but personalized insurance companies do.

It’s just one of the ways the quotation process can make a big difference in final pricing outcomes. Most traditional insurance companies place a priority on generating fast quotes, even if they aren’t truly reflective of your actual risk profile. Personalized companies have figured out how to generate custom tailored quote quickly and efficiently, thanks to additional questions and updates in the technologies available for calculating premiums.

The more a car insurance company knows about you, the more accurate the final rate quote will be for your situation. You may be surprised at what you can save with custom built insurance. One size fits all insurance policies are simply not the cheapest car insurance for Australian consumers, even though they’re the kind of policies that most consumers are used to having.

By incorporating a more inquisitive quotation process, personalized insurers work to separate you from the "average driver" profiles used by standardized insurers. In this way, you can get the kind of insurance cover you need for your vehicle and personal situation, without paying a one size fits all rate. You can build cheaper car insurance for yourself that can still be high-quality cover.

It’s an insurance solution that lets you give your pocketbook a break without causing you to lay awake at night fretting about how an accident or windscreen claim may affect your current insurance premium. You’ll be fully covered with high-quality insurance. The only thing you’ll be missing is the high insurance premiums that you used to pay.