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

Life Insurance

What are the Traits of the Life Insurance Companies?

You will find a number of insurance companies around you. Quite obviously, all of them will claim to be the best in the business. But not all of them are equally competent. Only some are. That’s why, when things come down to choosing life insurance companies in Darwin, you must look for certain qualities. On this page, we shall discuss the qualities that make a life insurance company better than the others.

Free photo hands holding paper people and heart close up


For obvious reasons, this is the most important quality of a life insurance company. In fact, reliability is regarded as one of the most important attributes of a quality insurance provider. A competent insurer will adhere to the objective of its business and is always dedicated to its clients. So you need to check whether the insurance company in question is well-known in its field. Besides, you should also see if the claim history of the company is pretty modest and is satisfactory for its customers. You need to find if the clients of the mortgage broker.

and its partners/brokers have faith in them and have been supporting them for long. You need to check out if they regularly meet their promise, and find out how long they have been in the industry. See if they have been offering services with flying colours. 

Their financial status at any given point in time 

One of the most important aspects of life insurance companies that you need to check is the financial status of the company. Remember, the greatest impetus or motivation behind buying health insurance is peace of mind at the end of the day. Thus, you need to be certain that, in case of any unfortunate incident, the insurance brokers in Darwin you are eyeing on,  will support you all throughout, allowing you to focus on coming out of the woods. As such, it is hence imperative to investigate the financial standing of the insurer. 

The class and quality of the customer service 

An insurance company has to have a very sound, credible, professional and easily accessible customer service. The reason is pretty obvious. It is critical to know where to find reliable medical guidance and support. An excellent insurance should be able to handle medical and emergency evacuation, whenever the need arises. Thus it has to have a large network and agreement with medical providers to make cashless evacuation from the medical facility possible. Thus, it has to have a very professional customer help desk, with  multilingual helplines available 24×7. It should also be able to accept a variety of payment methods, currencies, and respond to the requests and concerns of partners, clients, and brokers in a quick and accurate manner round the clock. 

It has to have to top quality insurance package

Top insurers make sure that their insurance packages are pretty competitive and that they are always relevant to the customers of different ages and from varying cultural and socioeconomic backgrounds. They adapt their products to their clients’ changing lifestyles.  Thus, it is imperative that you ensure that it has top quality packages, which will suffice your needs. 

Taking all these into account, Star Insurance Solutions is the best insurance company to look for, if you are looking for one, in and around Darwin. Call us to book our service.