Best Car Insurance Australia For P Platers – One of the most exciting rites of passage in a young person’s life is getting their driver’s license. Being able to drive legally means more than just getting from A to B. For many people, these car keys are a symbol of freedom!
So once you’ve got your license, your vehicle standard, your insurance and your car keys, it’s as easy as getting in your car and hitting the open road, right?
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Yes, yes, no. Many people say they “really learn to drive” after passing their test without the help of a professional instructor. Going out on your own can be overwhelming for the first few trips, and it gets even scarier as you get going. Factors such as congestion, dangerous roads and the cost of driving are common concerns among young people.
The Best And Worst Cities For Young Drivers In Australia
What is it like to drive under the age of 25 in Australia? Budget Direct commissioned research firm IRA to compile the list by analyzing the costs of young drivers, including key parameters such as gas prices, average insurance costs, vehicle registration and parking costs. It measures the number of road deaths and the number of registered vehicles per household in Australia’s 20 most populous cities and regions.
Melbourne, Victoria has been named the best driving city for young drivers with a score of 68.9 out of a possible 100, according to index data. As a measure of cost, Melbourne recorded the lowest ULP 91 petrol price at $1.72 per litre, while Melbourne had the lowest number of deaths per 100,000 population.
When it comes to car insurance and vehicle registration costs for young drivers, Melbourne ranks among the highest compared to other cities. With an average car insurance cost of $2,477.00 and an average car registration fee of $805.00, it’s an expensive city for young drivers to hit the road.
Canberra is the worst city for young drivers. The capital, which scored just 25.3 on our index, has the highest insurance costs ($2,540.50), the highest registration fees ($1,480.10) and the suburbs where 85% of households own a vehicle.
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In the capital, the cheapest parking is $2.00 per hour. Save $1.78 per liter on gas compared to other cities.
According to Australia’s BITRE website, there have been 4.6 road deaths per 100,000 people per year in the last 12 months (including this month). This represents a growth of 6.0% in the 12 months to January 2022. The figures show 1,208 deaths, an increase of 82 in the 12 months to January 2022.
According to statistical records, the annual total number of road deaths is +111.6% higher than the target of the National Road Safety Plan 2021-2030, which is an alarming number.
As road deaths continue to rise across Australia, we take a look at city and regional death rates to see where the fewest deaths will be recorded in 2022. The number of LGA city and regional figures for 2022 were converted to 100,000 inhabitants in each country to obtain accurate results.
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Cities such as Wollongong, Sydney and Albury had fewer than 2 deaths per 100,000. Cairns has 17 road deaths per 100,000 registered population, the highest of any city.
Darwin and Greater Bendigo followed Cairns with the highest death rates per 100,000 population at 10.1 and 9.9 respectively.
Cairns has the highest recorded number of road traffic accidents among the cities analysed, but the third lowest proportion of households with a registered vehicle at 78.2%. This may reflect less traffic in Cairns, but variable weather conditions may play a role in the figures.
The city with the lowest percentage of households with a registered vehicle is Sydney in New South Wales (77.4%), followed by Darwin with 77.8% of residents owning a registered vehicle. Cairns is in the top three with 78.2%.
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The cost of registering a vehicle in Australia varies from state to state and can range from hundreds of dollars to thousands of dollars. Vehicle registration fees are calculated in several ways and are regulated at the state and local level. Factors such as vehicle weight, number of cylinders, and engine size in cubic centimeters are included.
In some countries, compulsory third party insurance (CTP) is included in the registration fee, while in others it must be purchased separately to legally drive your vehicle.
We looked at all the costs of registering a car in Australia on each state’s government website and found the Australian Capital Territory (ACT) to be the most expensive at $1,480.10 on average.
ACT vehicle registration consists of three parts: government fee, registration fee and MAI (Motor Accident Injury) insurance premium. Components of the MAI insurance fee, government fee, and acceleration registration fee are combined. The hit weights were averaged over the total registration fees.
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By comparison, Western Australia is the worst country to register a vehicle at $591.10. In this state, the registration fee depends on the weight of the vehicle. Registration for passenger cars, SUVs and light vehicles is $25.52 per 100 kg. Transport Western Australia calculates your registration fee based on the weight of the vehicle, known as ‘goods mass’. We averaged the “cargo mass” measurement of all the weights of a typical car. This charge also includes CTP insurance, also known as engine damage insurance. There is also a $10.30 administration fee.
Western Australia’s car registration fee includes the same components as the ACT, but is still $889 less than the basic car registration fee, meaning young drivers outside of Canberra can get a better deal in the years before they keep their car. license .
If you or your child is learning to drive, thinking about the costs and extras that come with driving, such as safety and proper insurance, is a good place to start to make sure you get the best price and What you should expect
There are a few things you need to do to get the right car insurance for P-platers. You may want to decide whether to cover it with your car insurance policy or whether your child will buy the car himself. for school. If you add them to your policy, your premium may increase. Because statistics show that young drivers are more involved in accidents.
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If another car is bought for them to learn and they drive more often than others, you will need to get a quote to buy a new car insurance policy and list the child as a regular driver.
Then you need to consider additional car insurance, basic insurance varies by country and region. This excess is paid regardless of driving age, type of license or driving experience. Any additional excess is a fixed amount you pay for a loss or damage claim to your car and may vary based on the age of the driver and drivers who have not held an Australian open license for two or more years. .
Claim discounts (CDCs) are another important factor to consider if your child is included in your policy and they are at fault, which can reduce your claim discount when you renew. If the child has his own policy, he will start with the NCB rate.
1. Fuel prices – ULP prices in AUS$ are collected manually from https://fuelprice.io/ for each city using per liter.
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2. Accidents/fatalities were derived from the Australian Road Crash Database, fatality data, using LGA data for each city/region. Data correct till December 2022
3. Average. Cost of insurance taken from www.canstar.com.au. Prepared on 09.08.2022. Canstar’s 2022 Car Insurance Star Ratings are based on premium premium car insurance policies. It includes new and used car price incentives and a government grant of between US$600 and US$750 for male and female drivers aged 25 and under. NSW and ACT charges are combined in the NSW section. The percentage of men and women under 25 is taken at the national level. State-level data are used for cities and counties because individual city-level data are not available.
4. The number of registered vehicles was obtained from https://profile.id.com.au/ using the number of households with 1 or more registered vehicles in each city/region. We used this metric instead