• There are many factors that we use to calculate a car insurance premium – for example your age, car make and model and age, where you live (some suburbs are safer or riskier than others), any claims history of the drivers and info we have about the costs of other similar claims, as well as other factors. Other factors that contribute to the premium include the costs of providing and administering your policy, the cost of claims we pay under the insurance we provide, as well as government charges.
• Your premium may also change based on whether you're using your car for your own personal use, for business, or for rideshare purposes (UberX etc).
• If you choose to add an optional extra or extras¹ (like Hire car, Windscreen and Glass cover, or New for Old for cars 3 years old or under) it will likely increase your premium.
• Your level of cover also impacts your price – it may be higher or lower based on whether you choose Bingle's Comprehensive or Third Party Property Damage car insurance. Third Party Car Insurance is generally cheaper than Comprehensive, but it means you won't be covered for any damage to your own car if you have an accident.

Note: these are just some examples, not a full list, and the factors that may impact the cost of your insurance can vary over time.