It’s well known in clothing circles that off the rack items never fit as well as something that’s been custom-made and tailored just for you. Something made by a person who has gotten to know you, your needs and your unique characteristics will always be better than an anonymous, mass-produced item. So can you do something about that off the rack car insurance you’ve got?

Didn’t your insurance company customize for you during the quotation process? Well, not exactly. Off the rack car insurance cover is what you get when the only details you provide when getting a quote are your age, address, vehicle model and your previous driver rating.

This limited information is not enough to represent you as a real driver. It is barely sufficient to provide a sketch of you as an “average driver” and get you a premium based on that poorly drawn sketch. It’s very likely that it doesn’t represent your true driving risk profile and you’re likely paying the wrong price.

Can you prove that to your insurance company? Well, possibly-if they’ll listen. Yet most aren’t prepared to listen, as they’ve already figured out how to benefit from providing illusionist categories they’ve created for their customers. They’ll likely stick with their ways and you’ll be out of luck, unless of course you can find a company that really cares.

There is hope. You deserve a tailor-made premium instead of the mass produced price. You deserve to be paying for an insurance policy that really fits you-and these policies are available from a few select companies. They use many of the latest interactive technologies to quickly and easily customize your car insurance cover, and they can even do it online.

This technology allows these insurers to quickly and easily go beyond the basic questions to establish a more accurate risk profile for you. This more accurate profile allows for a more custom fitted price for you, so that you don’t pay arbitrary rates based on their assumptions. This greater accuracy often results in a better fit for a very important part of your life-your wallet!

Off the rack premiums overprice car insurance cover thanks to these assumptions. Once you establish yourself as an individual who is a lower risk than the average driver, you can get a lower rate from a company with tailor made pricing.

You may also receive greater discounts from tailor made insurance if you have a non-traditional driving profile. For example, if you are a housewife, work from home, or only use your car occasionally, you’re quite different from the average driver used in these off the rack insurance assessments. Therefore, you deserve something that fits you better.

It may seem a bit more inquisitive to go through an advanced “getting to know you” session with your insurer, but much like a trip to the tailor, a little extra measurement goes a long way! You’ll be pleasantly surprised at the difference from getting a standard insurance fitting. This is something that you can walk away from happily, knowing that you’ve truly found something that meets your individual car insurance needs.

Youi offers tailor-made car insurance that could save you lots of money. At Youi we ask the right questions so that you don’t pay for car insurance you don’t need. You interested? Go to youi.com.au for a smarter way of doing Car Insurance.

Most car insurance cover is issued on a standardized basis. Consumers have indicated they want fast, easy car insurance quotations. In their quest to give customers what they want, car insurance companies base their quotes on assumed driving and parking habits that dont always reflect the true risk As a result, many Australians, and especially stay at home mums, may be paying too much for their car insurance cover.

To be perfectly frank, the driving habits of a corporate warrior are nothing like those of a mother. Office workers are driving in peak traffic hours every day, some long distances, and parking in less than perfectly secure inner-city car parks. Stay at home mums are driving in off peak hours, running short errands, and parking at home or in spacious suburban zones.

The contrast between the two risk profiles is obvious, so its a bit of a shame that insurance premiums are charged the same for both. All too often, due to the assumptions made by insurance companies eager to offer a quick quote, the offered rates are not reflective of the real risk levels. This pricing formula is an area of opportunity for stay at home mums looking to save money.

There is new insurance technology out that offers a more in-depth car insurance quotation process. Its an automated process that includes a few more questions about you, your lifestyle and your driving habits. Thanks to the speed of the technology, you can still get a quote online in practically no time, even though you will be answering a few more questions about yourself.

The result will be a premium that accurately reflects the real risk profile of a stay at home mum. This is usually a noticeably lower car insurance premium than that being paid by a corporate warrior. After all, since most of the driving being done by a stay at home mum consists of short trips to playgroups, the supermarket, or the store, they shouldnt be paying the same rates as someone commuting long distances to work each day.

The distance driven isnt the only factor that will lower insurance costs. Mums tend to drive in suburban areas and planned community zones, avoiding risky highway and inner-city driving. The car also spends more of its time parked safely at home, which usually is an area with a reduced risk of hit-and-run accidents or break-ins that corporate types may face in their unmonitored car parks.

So, by looking for a way to provide additional detail about your driving and parking habits, you may lower your insurance premium through more tailor made risk-based premium pricing. Its something a little different and a bit more inquisitive than the usual process, but the savings are real. This is a painless way to ensure you are only paying for how you use your car, which may give you more money to spend on other, more important items for your family.

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