Car insurance - the makes and models

Yellow vintage car parked on street kerb with car insurance.

Designers of car insurance are every bit as busy as vehicle engineers. When you take out a comprehensive car insurance policy, there are a heap of features and optional extras to consider.

Then, there are those more specialised cars and drivers looking for a unique type of coverage. Below are some of the options where you and your car might fit.

Car insurance comparison - rates updated daily

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    $400 - $1,850 (varies By State)
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    Monthly premiums
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    No
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    $800 - $2,000
    Agreed or market value
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Gap auto insurance

If you bought your car with financing, your lender will likely require you to take out either comprehensive car insurance or gap (shortfall) insurance. Gap insurance is typically cheaper than comprehensive, and simply insures the lender for the outstanding payments owed on the car if you seriously damage or write it off.

Mozo's top car insurance tip #1: While your dealer or lender can oblige you to take out gap insurance, you don't have to take up their particular offer. Dealers are usually paid commissions by car insurance providers, and the winner of that arrangement isn't always you.

Mechanical failure insurance

Extended warranties are another optional extra, insuring you against mechanical failures. Typically, your new car will come with a one, two or three year warranty, and mechanical failure insurance allows you to extend the cover for super costly mechanical failure.

Mozo's top car insurance tip #2: What's the chance of your new or pre-loved car needing seriously expensive mechanical repairs? Unless your car's kilometres are heading skyward, you may be better off paying for minor mechanical repairs yourself.

Classic auto insurance

Alongside your major insurance firms, there are various specialist insurance companies with packages tailored to niche needs. The proud owner of a uniquely vintage automobile should equally be the proud owner of a unique vintage car insurance deal. Specialist car insurance providers may fit the bill for your pre-1970 classic, veteran car, or high-performance vehicle.

Car insurance: young drivers

Irrespective of their driving record, car owners under 25 may find it difficult to obtain comprehensive insurance as premiums are set higher based on their risker age demographic. Once again, there are specialist auto insurance companies which cater to student or young drivers' insurance needs, so it's worth a wider search. You might also consider staying on the family policy to access loyalty or multi-policy discounts.

Pensioner and seniors car insurance

Seniors car insurance is a cheaper way to cover your vehicle if you and your partner are over 50 and not working full time. If you're planning to retire, it's worth comparing older driver car insurance for a cheaper quote.

If you want to investigate all your options, head to Mozo's car insurance comparison page to begin your research.

*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

^See information about the Mozo Experts Choice Car Insurance Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.