Student car insurance

 
COMPARE QUOTES NOW
  •  

Are you a student looking for car insurance?

If you're a student looking for car insurance, chances are that you're a young driver.

Car insurers determine their premiums based on factors including:

  • Age
  • Gender
  • Area you live in  
  • Type of car you drive

Based on age alone, most students will tend to have higher premiums because statistics show that younger drivers are more likely to be involved in accidents and therefore make claims on their policies.


Choose the right type of policy for you

Choose a policy that suits your circumstances and budget.

Comprehensive Car Insurance

  •  Generally covers damage to yours and other people's vehicles and property when you are at fault

  •  Most expensive but important if you value your car

Third Party Fire and Theft

  •  Generally covers damage to other people's vehicles or property when you are at fault

  •  Covers your car only if it is stolen or damaged by fire

Third Party Property

  •  Generally covers damage to other people's vehicles and property when you are at fault, but not your own

  •  Cheapest but important in order to exempt you from legal liability for damage you may cause

How to lower the rate of your car insurance premium

  • Choose a lower risk car

    Insurers increase the premiums for cars associated with high speeds and frequent thefts, so avoid those types of cars. Also avoid modified cars and those that require rare or expensive parts.

  • Keep a good driving record

    A clean driving record, clear of traffic offences and accidents, may increase your chance for a lower premium, as taking an approved driving course like Defensive Driving might also. Keep in mind that car insurers will not cover you for damage caused by drunk driving, racing or other illegal activity.

  • Don't modify your car

     

    As mentioned above, modified cars are harder to insure and attract higher premiums, but did you know that by modifying your car, you could even nullify your policy? Don't risk your claim being rejected when you need it most. Either avoid modifications or inform your insurer beforehand to see how it will affect your policy.

  • Be aware of excesses

    You can choose a basic excess for your car insurance policy to reduce the cost of your up-front premium, but be aware that there are other excesses that may apply for student drivers. For example, the age excess is applied on top of your basic excess if the driver at the time was under 25, and the inexperienced driver excess may apply for drivers over 25 who have not held their Australian drivers licence for over two years.

 

Compare quotes to save money

The best way for student drivers to save money on car insurance is to compare a few quotes from different insurers before choosing the one that suits them best.

This is general information only and does not take into account your personal objectives, financial situation or needs. You should consider the relevant PDS available on this website prior to purchasing any product. Choosi offers insurance products from a range of brands but does not compare all products available in the market. 

Learn more about car insurance

 

Comprehensive car insurance
 

Greenslip and CTP explained
 

New driver car insurance
 

Pay as you go car insurance
 

Student car insurance
 

Women's car insurance

Compare now

CALL 13 55 55 Mon - Fri 8am to 8pm (AEST)
HAVE US CALL YOU
Your contact details
Please enter a valid Australian phone number including the area code

By clicking Call Me Back Now, you consent to receiving a phone call from us in relation to policies that Choosi is able to arrange.

COMPARE NOW

Our Products  

General 

Need Help? 

Blog 

Receive Latest News Updates

AFSL Number: 402397 Secure Copyright © 2019 Choosi Pty Ltd ABN 15 147 630 886

Choosi Pty Ltd (ABN 15 147 630 886) offers insurance products from a range of Australian brands. Choosi doesn’t provide information or offer cover for all products available in the market and there may be aspects to some products that Choosi doesn’t compare. Choosi isn’t an insurer and cover is issued by various underwriters. Your use of this website is undertaken in accordance with the full Terms & conditions.

Choosi is a related company of Greenstone Financial Services Pty Ltd (ABN 53 128 692 884; AFSL 343079; Ground Floor, 58 Norwest Boulevard, Norwest NSW 2153 Australia), the distributor of each pet insurance, life insurance, income protection insurance and funeral insurance policy. Choosi is able to arrange policies directly for the following brands: Kogan Life Insurance, Australian Seniors, Guardian Insurance, Prime Pet Insurance, Real Insurance, RSPCA Pet Insurance, Guide Dogs Pet Insurance, and Woolworths Insurance. Choosi is also a related company of The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473; AFSL 241436; Level 12, 465 Victoria Avenue, Chatswood NSW 2067 Australia), the issuer of each pet insurance product Choosi is able to arrange directly. Choosi is also a related company of PetSure (Australia) Pty Ltd (ABN 95 075 949 923; AFSL 420183), the administrator of each pet insurance product Choosi is able to arrange directly.

Where requested by you, Choosi can provide access to other life, income protection and funeral insurance brands by referring you to a third-party partner. The home & contents and car insurance products available are issued and distributed by Compare the Market Pty Ltd (ABN 83 117 323 378; AFSL 422926). The business insurance products available are arranged by BizCover Pty Ltd (ABN 68 127 707 975; AFSL No 501769). If you choose to purchase these products, Choosi will refer you to the appropriate partner. If you purchase a product as a result of a referral, Choosi will receive a fee or commission, depending on the partner you’re referred to.

Choosi has commercial relationships with all insurers that are available for comparison. Choosi obtains a commission from the insurer for arranging any insurance you choose to buy.

Information on this website doesn’t take into account your personal objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement (PDS) or Policy Booklet for more information and to ensure the product suits your needs. The PDS for each of the pet insurance, life insurance, income protection insurance, funeral insurance, and final expenses insurance products sold through Choosi are available through this website. Relevant PDS’ and/or Policy Wording Documents for products available through our partners are available on their websites.