Auto Insurance in Sebring, Florida

Auto insurance is a critical aspect of responsible vehicle ownership in Sebring, Florida. Understanding the nuances of vehicle coverage in this region is pivotal for every driver. Car insurance not only provides financial protection but is also a legal requirement, with specific obligations that drivers must adhere to in the state of Florida.

Understanding Vehicle Coverage in Sebring

When it comes to vehicle coverage in Sebring, Florida, drivers must comprehend the various aspects of insurance policies available to them. These can include liability coverage, which helps pay for injuries or property damage caused to others in an accident for which the insured is at fault. Additionally, comprehensive and collision coverage options are available to protect against damages to one's vehicle under different circumstances, such as theft, natural disasters, or collisions.

Importance of Car Insurance in Florida

Car insurance holds paramount importance in Florida, and Sebring is no exception. Having adequate auto insurance ensures financial security and peace of mind for drivers, as it helps cover the costs associated with accidents, injuries, or property damage. Moreover, insurance is a safeguard against unforeseen events, offering a layer of protection that is invaluable in times of need.

Legal Requirements for Auto Insurance

In Florida, there are specific legal requirements regarding auto insurance that all drivers must meet. The state mandates a minimum level of liability coverage to ensure that individuals can cover the costs of damages or injuries for which they may be responsible in an accident. Adhering to these legal requirements is not only essential for compliance but also crucial for safeguarding both the driver and others on the road.

Factors Influencing Auto Insurance Quotes

Obtaining an auto insurance quote in Sebring, Florida involves various factors that insurance providers take into consideration. Understanding these factors is crucial for drivers seeking the best and most accurate quotes:

1. Driving Record: Your driving history plays a significant role in determining your auto insurance premium. A clean record with no accidents or traffic violations typically results in lower rates.

2. Coverage Type and Limits: The type of coverage you choose and the coverage limits you set will impact your quote. Comprehensive coverage and lower deductibles often lead to higher premiums.

3. Vehicle Details: The make, model, year, and safety features of your vehicle are influential factors. Safer and more reliable cars usually result in lower insurance costs.

4. Credit Score: In some states, including Florida, your credit score can affect your insurance rates. Maintaining a good credit history can help you secure more favorable quotes.

5. Age and Driving Experience: Young and inexperienced drivers usually face higher premiums. Conversely, older, more experienced drivers may enjoy lower rates.

6. Annual Mileage: The number of miles you drive annually can impact your quote. Lower mileage often translates to lower insurance premiums.

7. Location: The area where you live can affect your rates. Urban areas may have higher rates due to increased traffic and risk of theft or accidents.

Comparing Quotes for the Best Rates

Once you've gathered quotes from different insurers in Sebring, Florida, comparing them is essential for finding the best rates and coverage for your needs:

1. Coverage Consistency: Ensure that the quotes you compare offer similar coverage types and limits. This allows for a more accurate assessment of the cost differences.

2. Deductibles: Examine the deductible amounts for each quote. Choosing a higher deductible can lower your premium, but it's essential to consider what you can comfortably afford to pay out of pocket in case of a claim.

3. Discounts: Check for available discounts. Insurers offer various discounts for factors like safe driving records, bundling policies, and more. Identifying applicable discounts can significantly impact the final cost.

4. Reviews and Reputation: Consider the reputation of the insurance companies providing the quotes. Reading reviews from other customers can offer insights into their customer service, claims process, and overall satisfaction.

5. Customization Options: Look for insurers that allow you to customize your coverage based on your specific needs. Flexibility in policy customization ensures that you only pay for what you truly need.

Navigating Sebring Florida Auto Coverage

Understanding the intricacies of auto insurance coverage in Sebring, Florida, is essential for responsible and protected driving. This section delves into the various types of coverage available, the minimum requirements mandated by Florida law, and additional coverage options that residents in Sebring might consider for comprehensive protection.

Types of Auto Insurance Coverage: Auto insurance coverage isn't one-size-fits-all, and drivers in Sebring have a range of options to tailor their policies to their specific needs. Common types of coverage include liability coverage, which pays for injuries and damages to others if you're at fault in an accident. Collision coverage helps repair or replace your vehicle if it's damaged in a collision, and comprehensive coverage protects against non-collision events like theft or natural disasters. Uninsured/underinsured motorist coverage is also crucial, offering protection if you're involved in an accident with a driver who lacks sufficient coverage.

Minimum Coverage Requirements in Florida: Every state, including Florida, has its own set of minimum auto insurance requirements. In Florida, drivers are obligated to carry liability insurance that includes at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Adhering to these minimums is essential for legal compliance and financial responsibility.

Additional Coverage Options in Sebring: While meeting the state's minimum requirements is mandatory, many Sebring residents choose to go beyond these basics to ensure comprehensive protection. Additional coverage options may include medical payments coverage for medical expenses, personal injury protection (PIP) for broader health coverage, and umbrella insurance for increased liability protection. Understanding these additional coverage options empowers drivers to make informed decisions about the extent of their insurance coverage.

Navigating auto insurance coverage in Sebring requires a nuanced understanding of these coverage types, the state's requirements, and the additional options available. By customizing your policy to match your unique needs and circumstances, you can drive with confidence knowing you have the right level of protection.

Affordable Auto Insurance Sebring Florida

Affordable Auto Insurance in Sebring, Florida is not just about finding the lowest premium; it’s also about getting the best value for your money. Here are some effective strategies for securing affordable car insurance in Sebring:

1. Safe Driving Habits: Maintaining a clean driving record is one of the most impactful ways to keep your insurance costs down. Safe drivers often qualify for lower premiums and discounts.

2. Bundle Your Policies: Consider bundling your auto insurance with other policies like home or renters insurance. Insurance companies typically offer discounts to customers with multiple policies.

3. Increase Deductibles: Adjusting your deductible – the amount you pay out of pocket before insurance kicks in – can lower your premium. However, be sure to choose a deductible that you can comfortably afford in case of a claim.

4. Shop Around: Don’t settle for the first quote you receive. Compare rates from different insurers to ensure you are getting the most competitive price for your coverage needs.

5. Maintain a Good Credit Score: In many states, including Florida, insurance companies use credit scores as a factor in determining premiums. Improving your credit score can lead to lower insurance costs.

Discounts and Savings Opportunities: Insurance companies offer various discounts that can significantly reduce your premium. Some common discounts include:

• Safe Driver Discounts: Rewards for maintaining a clean driving record.
• Multi-Vehicle Discounts: Savings for insuring multiple vehicles with the same provider.
• Good Student Discounts: Discounts for young drivers with good academic records.
• Safety Feature Discounts: Savings for vehicles equipped with safety features.
• Military Discounts: Special discounts for active-duty military personnel.

Balancing Cost and Coverage: While seeking affordable insurance is important, it's equally crucial to ensure you have adequate coverage. Striking the right balance involves:

• Assessing Coverage Needs: Evaluate your personal and financial situation to determine the appropriate level of coverage.
• Avoiding Unnecessary Coverage: Tailor your policy to your needs and avoid unnecessary add-ons that can inflate costs.
• Regular Policy Reviews: Periodically review your policy to ensure it aligns with your current circumstances and make adjustments as needed.

By implementing these strategies and taking advantage of available discounts, you can achieve the dual goals of affordability and comprehensive coverage for your auto insurance in Sebring.

Sebring Car Insurance Rates

Car insurance rates in Sebring, Florida, are influenced by a variety of factors, reflecting the unique dynamics of the local insurance landscape. Understanding these factors and the trends in rates is crucial for residents looking to secure optimal coverage without breaking the bank.

Factors Affecting Car Insurance Rates:

1. Driving Record: A clean driving record is a significant determinant of your insurance rates. Accidents, traffic violations, and other infractions can lead to higher premiums.

2. Vehicle Type: The make and model of your vehicle impact insurance rates. Luxury cars and high-performance vehicles often come with higher premiums due to increased repair costs and risks.

3. Coverage Level: The extent of coverage you choose affects your rates. Comprehensive coverage and lower deductibles typically result in higher premiums, while basic coverage might offer more affordable options.

4. Credit Score: In some states, including Florida, your credit score can influence your car insurance rates. Maintaining good credit demonstrates financial responsibility and can lead to lower premiums.

5. Age and Gender: Younger drivers, especially teenagers, often face higher insurance rates due to perceived higher risk. Additionally, gender can impact rates, with young male drivers generally facing higher premiums.

6. Location: Local factors, such as the crime rate and traffic density in Sebring, play a role. Urban areas may have higher rates due to increased risks of accidents and theft.

Understanding Premium Calculations:

Car insurance premiums are calculated based on a combination of the above factors. Insurers use complex algorithms that weigh risk factors to determine an individual's or family's rates. While each company may use a slightly different formula, the key elements often include driving history, credit score, and the coverage amount.

Rate Trends in Sebring, Florida:

Keeping an eye on insurance rate trends in Sebring is essential for residents seeking the most cost-effective coverage. Factors such as changes in traffic patterns, local legislation, and economic conditions can influence how insurance companies adjust their rates.

By staying informed about these trends and working with local insurance providers who understand the Sebring market, residents can make informed decisions to secure reliable coverage at competitive rates. Regularly reviewing and comparing quotes ensures that you're getting the best value for your car insurance in Sebring, Florida.

Best Auto Insurance Companies in Sebring

When it comes to securing the best auto insurance in Sebring, Florida, choosing the right insurance company is crucial. Fortunately, there are several top-rated insurance providers known for their exceptional service and customer satisfaction.

1. XYZ Insurance Group

• Why Choose XYZ: XYZ Insurance Group has consistently ranked high in customer satisfaction surveys. Their commitment to transparent policies and competitive rates has made them a favorite among Sebring residents.

• Customer Reviews: Positive customer reviews highlight XYZ's prompt claims processing and helpful customer service. Many clients appreciate their dedication to resolving issues efficiently.

• Tailored Solutions: XYZ Insurance Group offers a range of coverage options tailored to individual needs. Whether you're looking for basic coverage or comprehensive protection, they have you covered.

2. Sebring Assurance Services

• Why Choose Sebring Assurance: Known for its local presence and personalized service, Sebring Assurance Services understands the unique insurance needs of residents. Their agents are familiar with the area, providing insights that can be valuable in choosing the right coverage.

• Customer Reviews: Customers often praise Sebring Assurance for its friendly and knowledgeable agents. The company's commitment to community involvement is also highlighted in positive reviews.

• Policy Flexibility: Sebring Assurance Services provides flexibility in policy options, allowing customers to customize coverage based on their specific requirements. This flexibility ensures that clients pay for what they truly need.

3. SecureDrive Insurance

• Why Choose SecureDrive: SecureDrive Insurance stands out for its innovative approach to safe driving. They offer telematics-based policies that reward safe driving habits, potentially lowering premiums for responsible drivers.

• Customer Reviews: SecureDrive has received acclaim for its user-friendly app that allows policyholders to monitor their driving behavior and access important information easily.

• Innovative Solutions: If you value technology-driven solutions and the potential for reduced premiums based on your driving habits, SecureDrive Insurance could be an excellent choice.

When choosing the best auto insurance company in Sebring, it's essential to consider your specific needs, budget, and the level of service you expect. Reading customer reviews and comparing policies can help you make an informed decision tailored to your requirements.

Insuring Different Types of Vehicles in Sebring, Florida

Insuring your vehicle in Sebring involves understanding the diverse types of vehicles on the road. From everyday cars to motorcycles, trucks, and even recreational vehicles, each type requires specific insurance considerations. Car insurance policies may vary based on the vehicle's make, model, and usage. For instance, insuring a family sedan might differ from insuring a high-performance sports car or a utility truck.

Specialty Vehicle Coverage in Sebring

Specialty vehicles, including classic cars, RVs, or ATVs, require unique insurance coverage. Sebring residents who own vintage or collectible cars often seek specialized policies that consider the vehicle's rarity and value. Similarly, coverage for recreational vehicles (RVs) extends beyond standard auto insurance to address the specific risks associated with these larger, multifunctional vehicles. Understanding the nuances of specialty vehicle coverage ensures comprehensive protection tailored to the individual needs of Sebring residents.

Tips for Insuring Your Car in Sebring

Insuring your car in Sebring, Florida, requires careful consideration of various factors. To optimize your coverage:

1. Assess Your Coverage Needs: Evaluate the value of your vehicle, your driving habits, and the level of protection required.

2. Understand Florida's Requirements: Familiarize yourself with the minimum auto insurance requirements mandated by the state of Florida.

3. Compare Quotes: Seek quotes from different insurers to find the most competitive rates. Consider factors such as deductibles, coverage limits, and additional benefits.

4. Leverage Discounts: Inquire about available discounts. Safe driving records, bundled policies, and anti-theft features can often lead to reduced premiums.

5. Regularly Review Your Policy: Periodically review your car insurance policy to ensure it aligns with your changing needs and circumstances.

Navigating the world of vehicle insurance in Sebring becomes more straightforward when armed with knowledge about the specific types of vehicles, specialized coverage options, and practical tips for securing optimal protection.

Local Auto Insurance Agents Sebring Florida

When it comes to securing auto insurance in Sebring, Florida, the benefits of engaging with local insurance agents cannot be overstated. These professionals play a crucial role in helping residents navigate the intricacies of insurance policies, offering a range of advantages that extend beyond what online providers can deliver.

Benefits of Using Local Insurance Agents:

1. Personalized Service: Local insurance agents in Sebring, AL, provide a level of personalized service that online platforms often lack. They take the time to understand your specific needs, driving habits, and concerns. This personalized approach ensures that the insurance coverage you secure aligns perfectly with your unique requirements.

2. In-Depth Knowledge of Local Regulations: Insurance regulations can vary from state to state, and local agents possess an in-depth understanding of Florida's specific laws and requirements. They can guide you through the mandatory coverage limits and advise on additional coverage options that might be beneficial in the Sebring area.

3. Tailored Coverage Recommendations: Given their familiarity with the local community, these agents can offer tailored coverage recommendations based on factors such as weather conditions, local traffic patterns, and any unique risks associated with the Sebring region. This local expertise ensures that you're adequately protected in scenarios specific to your geographical area.

Finding Reliable Agents in Sebring:

1. Local Referrals: Seek recommendations from friends, family, or colleagues who have had positive experiences with local insurance agents in Sebring. Word-of-mouth referrals can be invaluable in identifying reliable professionals.

2. Online Reviews: Explore online reviews and testimonials to gauge the reputation of insurance agents in Sebring. Websites, social media platforms, and local business directories often feature feedback from clients, providing insights into the quality of service offered.

3. Professional Associations: Check whether the insurance agents you're considering are members of professional associations or industry groups. Affiliation with such organizations can be an indicator of their commitment to ethical standards and ongoing education.

Personalized Service and Local Expertise:

1. Face-to-Face Interaction: One of the primary advantages of local insurance agents is the ability to have face-to-face interactions. This personal touch fosters a stronger client-agent relationship, enhancing communication and understanding.

2. Accessibility and Availability: Local agents are easily accessible, and their availability extends beyond standard business hours. This can be crucial in emergencies or when you need quick assistance with policy-related queries.

3. Community Involvement: Many local insurance agents actively participate in community events and initiatives. Their involvement demonstrates a commitment to the well-being of the local area and often translates to a higher level of dedication in serving their clients.

Engaging with local insurance agents in Sebring not only ensures you receive tailored coverage but also contributes to the overall support and growth of the community. The combination of personalized service and local expertise makes these agents invaluable partners in securing the right auto insurance coverage for your needs.

Understanding Comprehensive Auto Insurance in Sebring, Florida

In the realm of auto insurance, Comprehensive Coverage stands out as a crucial safeguard, providing a layer of protection beyond the standard liability and collision coverage. Understanding the intricacies of Comprehensive Insurance is essential for Sebring residents seeking comprehensive protection for their vehicles.

When Comprehensive Coverage is Necessary

Comprehensive Insurance is particularly vital in Sebring, Florida, due to the diverse range of risks that vehicles may face. It comes into play when your car is damaged by events other than collisions. This includes natural disasters like storms or floods, theft, vandalism, falling objects, and encounters with wildlife. Considering the region's susceptibility to certain weather conditions and other potential hazards, having Comprehensive Coverage becomes a prudent choice.

Pros and Cons of Comprehensive Policies

Pros:

1. Protection Against Non-Collision Events: The primary advantage of Comprehensive Coverage is its ability to cover damages resulting from events other than accidents. This ensures a broader scope of protection for your vehicle.

2. Financial Safeguard Against Theft and Vandalism: Sebring, like any other area, faces its share of theft and vandalism risks. Comprehensive Insurance provides financial security in the unfortunate event of vehicle theft or intentional damage.

3. Peace of Mind in Natural Disasters: Florida's susceptibility to severe weather, including storms and flooding, makes Comprehensive Coverage a valuable addition. It provides peace of mind, knowing that your vehicle is protected against these natural calamities.

Cons:

1. Higher Premiums: One drawback of Comprehensive Coverage is that it tends to come with higher premiums. The extensive protection it offers comes at an added cost, and policyholders need to weigh the benefits against the expense.

2. Deductibles Apply: Like other insurance types, Comprehensive Coverage often involves deductibles – the amount you must pay out of pocket before your insurance kicks in. Understanding these deductibles is crucial for making informed decisions about your coverage.

3. Not Mandatory: While Comprehensive Coverage provides extensive protection, it's not a mandatory requirement in Florida. Vehicle owners need to decide if the added protection aligns with their specific needs and risk tolerance.

In conclusion, Comprehensive Auto Insurance in Sebring, Florida, offers a robust layer of protection against a range of non-collision events. Assessing its pros and cons in the context of Sebring's unique risks can help vehicle owners make informed decisions about their insurance coverage.

• Canstar & Money Magazine's Insurer of the Year

• Make a claim

• Find out how to lodge a claim.

• Compare car insurance savings

• Compare our prices against our competitors'.

• Compare policy benefits

• Find the right insurance policy for you.

• Car insurance reviews

• See what our customers think of us.

• Car insurance FAQs

• Get answers to common questions.

• Car Insurance

• Make a claim

• Find out how to lodge a claim.

• Compare home insurance savings

• Compare our prices against our competitors'.

• Compare policy benefits

• Find the right insurance policy for you.

• Home insurance reviews

• See what our customers think of us.

• Replacement cost calculators

• Estimate your home replacement costs.

• Home insurance FAQs

• Get answers to common questions.

• Home Insurance

• Make a claim

• Lodge a claim with us.

• Compare travel insurance

• Find the right insurance policy for you.

• Overseas emergency assistance

• What to do and who to call in an emergency.

• Travel insurance FAQs

• Get answers to common questions.

• Travel Insurance

• Make a claim

• Find out how to lodge a claim.

• Pet insurance FAQs

• Get answers to common questions.

• How well do you know your

• Take the quiz to discover how your pet's habits, behaviours and environment can impact their lifelong health.

• Pet Insurance

• Make a claim

• Find out how to lodge a claim.

• Compare policy benefits

• Find the right insurance policy for you.

• Motorcycle insurance FAQs

• Get answers to common questions.

• Motorcycle Insurance

• Special Offer

• Life Insurance Claims

• Find out how to lodge a claim for policies purchased on or after 14 February 2022

• Existing Customers

• If you purchased Budget Direct Life Insurance on or before 30 June 2018 Click Here

• Life Insurance FAQs

• Get answers to common questions.

• Life Insurance

• 2 Months Cover FREE§

• Broken down?

• Call 1800 514 448

• Roadside Assistance FAQs

• Get answers to common questions.

• Standalone Roadside Assistance

• WITH 15%‡ ONLINE DISCOUNT

• Make a claim

• Find out how to lodge a claim.

• Insurance discounts

• Get a quote and buy a new car or home and/or contents insurance policy online and you'll save 15% to 30% on your first year's premium.

• Existing customer reviews

• See what our customers think of us.

• Existing Customer

• eGift card offer

• Purchase a new Pet Insurance policy and get a $100 eGift Card.*

• Use Code: ECGIFT

• Existing Customers

• At Budget Direct we value our customers and pride ourselves on providing great value insurance that you can rely on when you need it most.

• Car Insurance Calculator

• Find out how the cost of car insurance is calculated and get a quote online – you could save hundreds of dollars on your premium.

• Get a quote online and save 15%

• Getting a car insurance estimate, or quote, is the first step towards buying a new car insurance policy.

• Basically, we ask you some questions, assess the risk of insuring you and your car, and then calculate the premium we would charge you.

• If you buy a Gold Comprehensive or third party insurance policy online, you’ll receive a 15% discount on your premium.

• How is the cost of car insurance calculated?

• There are lots of factors that can influence your premium, including:

• Comprehensive insurance costs more than third party cover.

• Expensive cars cost more to replace.

• The higher your excess, the lower your premium, and vice-versa.

• Typically, younger drivers pay more.

• The higher your car’s performance, for example, the larger the premium tends to be.

• If your car is parked overnight on the street rather than in a garage, your premium will be higher.

• The fewer claims you and any other listed drivers have made in recent years, the less you’ll pay.

• Choose your cover

• With Budget Direct, you can select one of three types of car insurance:

• Comprehensive Car Insurance

• Covers loss or damage to your vehicle due to an accident – regardless of who’s at fault – severe weather, fire, malicious damage and theft; and liability for damage your car causes to other people’s property. Read more

• Third Party Property Only Insurance

• Covers liability for damage your car causes to other people’s property, including their vehicle and home. Read more

• Third Party Property, Fire and Theft Insurance

• Provides the same cover as Third Party Property Only Insurance, with extra protection against loss or damage to your vehicle due to fire and theft. Read more

• Compare our prices

• Insurers assess and price risk differently and their premiums can vary by hundreds of dollars, so it pays to compare before you buy.

• Because we don’t insure unsafe drivers, we can keep our premiums lower for safer drivers like you.

• Use the Budget Direct Comparitron to see what customers in your state told us they saved, on average, by switching their car insurance to Budget Direct.

• Find out more about what cover we offer in your state

• Get a quote

• Find out how much it would cost to insure your vehicle through Budget Direct – it's quick and easy and could save you hundreds of dollars.

• How much can I insure my car for?

• With Budget Direct, you can insure your car for its market value or, in some cases, for an agreed value.

• Market value

• Market value is the value of the car at the time of loss or damage, taking into account factors such as make, model, age, kilometres travelled and overall condition. We may use local market prices, recognised industry publications or other sources to determine the market value.

• To get an idea of what your car may be worth, search for it in the Red Book or on car sales websites.

• Please note that the prices provided by these sites are only meant to be a guide. Your car's market value will be determined by us at the time of the loss or damage.

• Agreed value

• Agreed value is the amount we agree to insure your car for. We may offer you an agreed value, as long as:

• The value for which your car is covered is shown on your Insurance Certificate and in your online account.

• Frequently asked questions

• Yes - By paying annually instead of in instalments (i.e. fortnightly or monthly), you’ll pay a lower premium and avoid instalment processing fees.

• Yes – as long as you supply us with proof of your current no-claim bonus (or no-claim discount, as we call it) or driver rating.

• For example, you may have a renewal notice from your current insurer that shows your no-claim bonus or rating.

• We’ll factor in the rating when we calculate your premium.

• If you clock up less than 10,000 kilometres per year, you can request a Gold Low Kilometres Comprehensive policy, which entitles you to a discount on your premium.

• You must tell us the odometer reading of your car within 21 days of your cover starting and also at the time of any claim.

• The kilometres per year you select will be shown on your insurance certificate and in your online account.

• Note that if you exceed this limit, fail to provide an odometer reading when required or provide an invalid odometer reading, and then make a claim, you’ll have to pay an additional excess.

• See all car insurance FAQs

• Car Insurance Knowledge Base

• Your questions about insurance all answered in one place.

• The best second-hand cars in Australia

• Car maintenance and servicing basics

• Will my car get stolen?

• 5 simple ways to make your car safer

• How to wash, wax and detail your car like a professional

• Articles

• See all

• Research

• See all

• Useful links

• Get a car insurance quote online

• Car Insurance

• Home Insurance

• Other Products

• Existing Customers

• About Us

• Internationally

• For general enquiries and feedback,  Contact Us or Make a Complaint

• Insurance (excluding Pet Insurance) is arranged by Auto & General Services, ABN 61 003 617 909, AFSL 241411. Registered Office: 13/9 Sherwood Road, Toowong 4066 on behalf of the insurer, Auto & General Insurance Company Limited ABN 42 111 586 353.

• Budget Direct Pet Insurance is administered by Pet Health Insurance Services Pty Ltd ABN 59 638 910 675 as Authorised Representative 1282153 of Auto & General Insurance Company Limited (AGIC) ABN 42 111 586 353 AFSL 285571, Registered Office: 13/9 Sherwood Road, Toowong 4066 on behalf of the insurer AGIC and is promoted by Auto & General Services Pty Ltd (AGS) ABN 61 003 617 909 AFSL 241411.

• Because we don’t know your financial needs, we can’t advise if this insurance will suit you. Please consider your needs, the Financial Services Guide, the Product Disclosure Statement, and the Target Market Determination when deciding to buy insurance. Subject to meeting underwriting criteria. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached.

• ^Online Discounts Terms & Conditions

• †Price Comparison Figures

• Figures represent average savings based on data provided by customers who reported they switched online to Budget Direct's, Comprehensive Car Insurance or Combined Home & Contents Insurance or Buildings Only Insurance or Contents Only Insurance from comparable policies, between 1 April 2023 - 30 September 2023. Individual circumstances and policy terms may vary. Please compare for yourself.