5 Signs It’s Time for Switching Car Insurance Providers

Ideally you’d never need to spend time switching car insurance providers. In a perfect world the one you choose from the get-go will always be the perfect provider for you. But what if that’s not the case? This will very likely be reality at some stage of your life. So, if you’re changing car insurance providers what are the pro’s (like better cover) and what are the cons (like cancellation fees)?

If you’re paying good money but don’t have the most suitable cover for your current circumstances and are putting up with poor customer service then it might be time to switch. Put another way – if you feel your current provider isn’t giving you what you deserve or your needs have changed, it’s time to shop around.

Don’t be deterred by break costs… If you’re leaving behind another provider for PD Insurance you could very well find you’re saving quite a lot of money.

But before we tell you about us, let’s talk about you. Here are five signs you need to consider switching car insurance providers.

Why switch car insurance providers in Australia?

Perhaps you’ve made a claim and it didn’t go well. Or you feel you’re paying too much and your premiums keep going uppppp. Suppose you and the customer service team don’t get one another and you’ve decided that’s not a hoop worth jumping through.

You might simply be curious about what’s out there in terms of cover, service and perks.

There are several reasons to consider changing car insurance providers. Top of the list is to get the right one for you and your car so you can stick with them without constant worries. You’ll get great peace of mind when you’re on the road in knowing you’re well protected by the right insurer.

Are you experiencing any of the below? If so then it might be time to change your car insurance provider.

1. Your rates keep rising

Certain situations can increase your premiums.

Of course, insurers often adjust premiums to keep up with inflation and/or to soften the financial blow of higher than expected claims across their customer base. Your premium may also rise because you’ve recently been in an accident or you’ve updated the drivers listed on your policy or there’s been a change in your living arrangements (for instance).

On that last point, know that changing your living arrangements can also have an upside for your premium. Read how a car insurance endorsement could save you money.

Also know that if you’ve enjoyed a clean driving record for a few years and you’ve been a long-time customer you deserve to be rewarded by your provider. Good drivers and loyal customers are normally given car insurance discounts and/or other incentives for their loyalty.

If you’re not getting either from whoever you’re with, it might be time to change things up for the better by switching car insurance providers.

2. You dread the customer service experience

Customer support is critical when it comes to car insurance. Suffering from long waiting periods on the phone, unanswered emails, slow website navigation and poor customer support are all big red flags!

At PD Insurance we’ve worked hard to make sure anything you need is available right there online, quickly and easily. We’ve made it so in many situations you don’t have to call us if you don’t want to.

This digital-first approach means we can keep our premiums really lean. We can offer you low cost, high quality car insurance while still being right there if you need to give us a call.

3. Filing a claim is a nightmare

If you’re making a car insurance claim that means you’ve already been through the trials of a vehicle incident. There’s no need to ‘add insult to injury’ by having to toil when making a claim.

Claims should be simple, fast and easy to do. How they file a claim and work with their customer is one of the ultimate tests of the quality of a car insurance provider. When you contact your insurer they should be able to process your claim promptly (especially if it’s not your fault) and thoughtfully.

If your insurer prolongs the process unnecessarily, you’re definitely not being served the way you should be. Consider switching car insurance and look at providers that put as much focus into making the claim process as easy as the sign up process.

PD gives you access to a personalised dashboard so you can make a claim easily online, anytime you need to. Read how to make a comprehensive car insurance claim in six steps.

4. Your insurer doesn’t have what you need online

In today’s world, we’re used to being able to work from home, shop from home and just about anything else from home. Car insurance is the same. Your car insurance provider should have what you need right there on their website.

A good website, at the very least, should provide all necessary information on the products and services the company offers. Ideally it also has a customer portal so you can easily manage your account, an FAQ section for when you have questions about your insurance and a motoring blog that keeps customers educated about all things vehicles.

PD Insurance offers car insurance policies that can be bought and managed 100% online. This makes it easier for you to update details in your policy, make payments, start the claim process and get another car insurance quote. You can do this whenever and wherever you are, 24/7.

We understand that time is money. As a valued customer you should never have to work around our timing, but rather around your own. We understand that, which is why we’re all about doing things digitally where possible.

5. Switching situations for a better car insurance provider

As mentioned, switching to a new provider can sometimes be the result of a change in your personal situation. This might be buying a new car, moving to a different area, or adding a teen driver to your policy. Or, you might have become the only driver of your car, whereas before you had co-drivers (you should read our seven financial perks of being the only driver of your car).

If you’re not already with PD, consider changing your car insurance provider to us and access award-winning cover. Click below to get your comprehensive car insurance or third party property/fire and theft insurance quote now.