Star Insurance Solutions Pty Ltd


How Your Driving Records Affect Your Car Insurance Premiums?

Your driving records hold a significant sway over the cost of your car insurance. Your prices for auto insurance may differ depending on several variables. Although most components are well known to customers, it is helpful to know the primary elements influencing your insurance prices. As a consequence, you may assist yourself in qualifying for the best rates by avoiding issues that can raise your premiums. Insurance has compiled a list of the eight primary criteria that virtually all auto insurance policies utilise to determine their rates. 

Use of the vehicle

Auto insurance is necessary for every car. But not every automobile is utilised for the same things or the same purposes. You’ll either need to add business usage to your personal vehicle insurance policy or buy a separate commercial coverage if you drive a car for work or commercial activities. You may discover that the business and commercial prices are similar to conventional individual auto insurance rates, even though they differ from usual private vehicle insurance costs used for daily commuting. As business and commercial coverage varies greatly, you must get an expert from insurance brokers in Darwin before deciding which type of coverage you need. 

A clean record equals lower premiums

You are in a good position if you have never had any accidents, moving violations or claims on your record. Insurance firms will provide cheaper rates to drivers who drive safely and well. Your spotless record attests to your careful driving practises which lowers your danger of facing legal action.

Accidents and claims

You should expect a higher price of car insurance in Palmerston if you have a history of accidents or claims. Drivers with a history of accidents are seen by insurance companies as having a greater risk since they are more likely to be involved in subsequent occurrences.

Traffic violations

Traffic violations such as tickets for speeding or reckless driving charges can also lead to higher insurance premiums. These violations signal risky behavior on the road which translates to increased insurance rates. Multiple violations can have a compounding effect on your premium. 

Frequency matters

Your premium is also affected by how frequently you have infractions, accidents or claims. Insurers may view you as a greater risk if you’ve experienced several mishaps in a short period which might result in a sizable premium hike. Certain nations keep track of traffic infractions using a point system. Your insurance premiums may go up if you have points on your licence from infractions. Your perceived risk increases with the number of points you own which raises rates.

Transparency is key

Your driving history is taken into account by a car insurance broker in Darwin when setting your rate. Being open and honest about your track record is necessary to get precise quotations. Accidents or breaches that are kept under wraps may cause issues with claims processing or may result in insurance termination.

Your driving record directly influences the cost of your car insurance. Safe driving habits and a clean record can earn you lower premiums while accidents, claims and violations lead to higher costs. You can also positively impact your insurance premium and ensure affordable coverage. 

Book An Appointment For Insurance With Us

Star Insurance Solutions is considered to be the leading insurance brokerage and offers you high-quality service and fast results you can count on. We can find you the absolute best auto insurance rate and coverage in the shortest amount of time. For more information constant us at 08 8992 9908 or email us at


5 Key Steps to Find the Best Insurance Broker in Humpty Doo

Do you think that finding the best insurance broker is an easy task? If you do so, then you need to think again. As there are many who are offering the same kind of service but the fact is that not all of them are renowned. There are very few who are known to offer quality service, maintain transparency and exceed the expectations of the clients. So if you don’t want to make the mistake of hiring an inexperienced insurance broker in Humpty Doo, then it is better to take your time before finalising anything.

Free photo young happy couple signing a contract while being on a meeting with insurance agent in the office

If you are thinking about how to be successful in finding and hiring a trusted insurance or mortgage broker in Darwin, you should go through the steps, which are explained in detail below. 

  • Carefully Define Your Needs

The first thing you need to do is be clear about your insurance needs. Whether you need car or life insurance, home or business insurance, personal life insurance in Darwin, etc., being clear about what you exactly need is vital. This will help you in selecting a professional broker.

  • Online Research and Reference

You can also find professionals for personal life insurance in Darwin by doing online research. Getting some good references is also a smart and time-saving way to connect with the right team for the kind of insurance you need.

  • Check Experience & Knowledge

You should not make any decision in a hurry, and hence, you need to check the experience level and how much knowledge the mortgage broker possesses. Remember, the more experience they will have, the better service you will be able to get. 

  • Good Communication Skills

It is also important to make sure that they have good communication skills so that they can explain the insurance terms and conditions in simple language. This will help you to avoid facing problems at a later stage.

  • Check Licence and Credentials 

To avoid facing problems at a later stage, it is better to check the licence and credentials of the mortgage broker in Humpty Doo before making your final decision. What you need to understand is that insurance brokers should be qualified and must meet professional standards.

The other things you need to do are check and compare the price, make sure that they believe in maintaining transparency, are ready to offer help during an emergency, etc. The more information you have about the mortgage broker near me, the better decision you will be able to make.

Free photo young happy couple came to an agreement with their insurance agent. focus is on man shaking hands with the agent.

Star Insurance Solutions is an esteemed insurance & risk management firm that specialises in offering a wide range of services. Our professional brokers are always ready to help the clients efficiently. Whether you need home or car insurance, caravan insurance, business or life insurance, etc., you can reach out to us for help. Our insurance broker in Humpty Doo will help you professionally and efficiently. If you want to book an appointment with our experts, you can call now. Feel free to send an email, and we will reply to you as soon as possible.