Search studies, brands and more…⌘ KExplore research

Evidence · Car insurance

Every question, every answer, every source

Explore all 183 car-insurance questions and the 728 answers saved on 11 October 2026. Read the original responses and download the tables behind the study’s comparisons, sources, sentiment and factual checks.

questions
183
answers saved, of 732 planned
728
consumer situations
12
named regions
16
AI platforms
4

01

Every question, with its answers

Each question went to the four AI platforms. All were collected with a New Zealand setting. Open a question to read every captured answer in full.

Showing 20 of 183 questions

Show all 183

02

The tables behind the study

Every figure on the study page comes from these tables. They are CSV files, which open in any spreadsheet.

  • Questions

    questions.csv

    One row per question, with its exact saved wording.

    Question ID, source references, question, consumer situation, named regions, question group and collection setting

    183rows

    Download questions (CSV)

  • Answers

    answers.csv

    One row per captured answer, with its full text.

    Answer ID, question ID, platform, collection setting, consumer situation, named regions and full answer

    728rows

    Download answers (CSV)

  • Sources by answer

    sources.csv

    One row per website recorded as a source of an answer.

    Answer ID, question ID, assistant, collection setting, website and publisher type

    4,213rows

    Download sources by answer (CSV)

  • Checks against primary sources

    checks.csv

    One row per stated assertion checked, for one platform.

    Check, question and answer IDs, assistant, exact passage, verdict, primary-source finding, URL and date

    96rows

    Download checks against primary sources (CSV)

  • Consumer recommendation coding

    consumer-recommendation-coding.csv

    One row per reviewed provider role in a consumer-selection answer.

    Answer ID, question ID, consumer, platform, provider, role, counted recommendation, exact passage and conditions

    301rows

    Download consumer recommendation coding (CSV)

  • Consumer selection membership

    consumer-selection-membership.csv

    One row per answer in the matched consumer-selection comparison.

    Answer ID, question ID, consumer, platform, question group and full text; the same twelve questions per platform

    48rows

    Download consumer selection membership (CSV)

  • Ongoing support coding

    support-coding.csv

    One row per reviewed named-provider role in an eligible support answer.

    Answer ID, question ID, consumer, platform, provider, role, support-preference decision and exact passage

    49rows

    Download ongoing support coding (CSV)

  • Ongoing support membership

    support-membership.csv

    One row per answer in the actual consumer-support group.

    Answer ID, question ID, consumer, platform, question group and full text; acquisition validation is excluded

    32rows

    Download ongoing support membership (CSV)

  • Regional recommendation coding

    regional-recommendation-coding.csv

    One row per reviewed provider role in a region-named selection answer.

    Answer ID, question ID, named consumer region, platform, provider, recommendation decision and exact passage

    440rows

    Download regional recommendation coding (CSV)

  • Regional selection membership

    regional-selection-membership.csv

    One row per answer in the matched regional comparison.

    Answer ID, question ID, named consumer region, platform and equal-comparison membership; sixteen questions per platform

    64rows

    Download regional selection membership (CSV)

  • Insurer sentiment

    insurer-sentiment.csv

    One row per unique saved claim about an insurer in a selection answer.

    Claim, question and answer IDs, insurer, saved stance, exact passage and original-answer offsets

    1,926rows

    Download insurer sentiment (CSV)

  • Recorded source URLs

    source-urls.csv

    One row per recorded answer, website and URL association.

    Answer ID, question ID, platform, website, URL, source records and presence in the captured answer text

    6,056rows

    Download recorded source urls (CSV)

Use these tables to trace findings back to the original questions and answers. The full text of each answer is also on this page, under its question.

03

Read in full and checked

Some answers were read in detail or checked against official sources. Those appear on the study page, beside the findings they support.

ChatGPT · New Zealand

I live in Northland and need car insurance. Which companies are worth comparing?

If you live in Northland, New Zealand, I’d compare at least four or five car insurers rather than going with the first cheap quote. The best option depends on your car’s value, where it’s kept, how much you drive, and whether you want third-party or comprehensive cover.

For Northland, I’d pay particular attention to windscreen cover, storm and flood damage, excess amounts, and access to local repairers as well as the premium.

Car insurance companies worth comparing

AA Insurance

A good benchmark for comprehensive cover. It offers agreed-value cover and a lifetime repair guarantee when you use an AA Insurance repairer. AA members may qualify for discounts. AA Car and Vehicle InsuranceComprehensive Car Insurance Quote Online

Get a quote

AMI

Worth checking if you value roadside assistance: AMI includes roadside rescue with comprehensive cover. You can also choose third-party or third-party, fire and theft. AMI Car Insurance | Online QuoteCompare Car Insurance NZ

Get a quote

State Insurance

A useful price and excess comparison. It offers three main cover levels, and its standard excess structure may appeal if you want to keep the amount you pay when claiming down. Car Insurance | Compare, Quote & Buy OnlineCar Insurance Excess

Get a quote

Tower Insurance

Compare its comprehensive policy for windscreen cover, rental-car benefits and replacement options for newer vehicles. Check which extras are included versus optional. Car Insurance NZ - Quick Quote & Buy OnlineComprehensive Car Insurance Quote

Get a quote

Cove

A good online-first option to include in your shortlist. Quotes and policy management are available online, making it convenient to compare without a phone call. Car Insurance NZ - Get a Quote and Buy Online with CoveCar, Home, Contents & Pet Insurance

Get a quote

You could also compare Trade Me Insurance using the independent comparison guide from MoneyHub. It compares these providers' policy benefits side by side. Car Insurance Policy Comparison - AMI vs AMP vs AA vs State vs Tower and more

What matters most in Northland?

When you request quotes, compare the same level of cover and check these details:

  • Storm and flood damage: Confirm exactly what is covered, including any relevant exclusions and conditions.
  • Windscreen and glass: Check whether excess-free glass cover is included or costs extra.
  • Repairs and towing: Ask whether you can choose a repairer and what happens if you break down far from home.
  • Agreed versus market value: Check how much you'd receive if the car were written off or stolen.
  • Excess: Compare the total excess that would apply to a typical claim, including any additional excess for younger or unnamed drivers.

Consumer NZ recommends getting at least three quotes, because premiums depend on your vehicle, driving history and where you live. Car insurance buying guideCar insurance buying guide

Let’s narrow it down to the best options for you

I can help you prioritise which insurers to quote first. What car do you have (make, model and year), and are you looking for comprehensive cover or the cheapest legal-liability protection?

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

I live in Northland and need car insurance. Which companies are worth comparing?

When looking for car insurance in Northland, it is smart to compare a mix of nationwide providers known for strong customer service, comprehensive coverage, and competitive pricing.

The top companies worth comparing include:

  • AA Insurance: Highly rated for customer satisfaction and claims support, offering robust comprehensive policies with useful member discounts.
  • Tower: Often stands out for having some of the most comprehensive policy benefits (such as excess-free key replacement on comprehensive plans) and flexible digital management tools.
  • Cove: A popular digital-first insurer that frequently leads on competitive baseline pricing for comprehensive-only cover.
  • AMI and State: Two of New Zealand's largest direct insurers, widely recognized for accessible support networks and optional add-ons like roadside rescue.

Insurance premiums in regions like Northland can vary significantly depending on your specific vehicle type, your address, your driving history, and whether your car is parked off-street. It is best to gather quotes from at least two or three of these providers to see which offers the best value for your circumstances.

If you like, I can pull together a more detailed comparison of specific add-ons (like windscreen or roadside cover) across these top insurers. Would you like me to do that?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

I live in Northland and need car insurance. Which companies are worth comparing?

AI Overview

To find the best car insurance while living in Northland, you should compare Tower , Cove ,

AA Insurance

, State , and AMI. Because regional location heavily impacts premium pricing in New Zealand, getting multiple online quotes is the most reliable way to find the lowest rate for your specific vehicle and driving profile.

Key Providers to Compare

Insurer Known For / Key Benefits Promotions & Disclaimers
Tower Insurance Strong regional & youth pricing. Offers 2-year new-for-old replacement and zero excess for garage theft. Save $100 off new comprehensive policies using code EASYSAVE (ends 30 Jan 2027).
Cove Insurance Digital-first setup. Frequently ranks among the cheapest providers in independent market tests. Excludes drivers under 21 years old. Offers a 1-month free promotion.
AA Insurance High satisfaction. Features a lifetime repair guarantee and unlimited rental car hire. Highly rated for customer service, though they recently removed multi-policy discounts.
State NZ Low standard excess ($300). Includes careless driving defense and key replacement. Underwritten by IAG New Zealand. Voted Canstar Best Value Car Insurer.
AMI Insurance Roadside assistance. Comprehensive policies automatically include free, unlimited Roadside Rescue. Underwritten by IAG New Zealand. Offers strong basic third-party options.

My Top Recommendation

My primary strategy would be to lead with Tower Insurance as your baseline quote. They utilize a detailed risk-based pricing model that frequently benefits drivers outside major urban hubs like Auckland.

When to choose an alternative instead:

  • Go with Cove Insurance if you prefer a 100% paperless digital interface, do not have under-21 drivers on your policy, and want to capture their introductory multi-month discount.

  • Go with AA Insurance or MAS if you prioritize long-term brand trust, customer service reputation, and claim settlement speed over finding the absolute absolute lowest premium.

Cost-Cutting Strategies for Northland Drivers

  • Aggregated Market Scans: Before buying, aggregate your details through an independent platform like the Quashed Market Scan or check cost comparison breakdowns on MoneyHub NZ to see which underwriter favors your exact vehicle model.

  • Tweak Your Excess: Raising your voluntary excess (the amount you pay out-of-pocket during a claim) from a standard $300 to $500 or $1,000 will instantly drop your ongoing monthly or annual premium.

  • Annual Billing: Opt to pay your premium annually rather than monthly to save an estimated 10% to 15% in admin and installment fees.

To help narrow this down, feel free to share:

  • The make and model of your car

  • The age of the main driver

  • Whether you want Comprehensive cover or basic Third-Party Only Best Car Insurance NZ | Compare, Quote and Save - MoneyHub NZ

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

I live in Northland and need car insurance. Which companies are worth comparing?

When shopping for car insurance in New Zealand , comparing multiple providers is essential because premiums can vary significantly depending on your specific vehicle, driving history, and exact location in Northland.

The prominent and widely-used car insurance providers worth comparing include:

  • AA Insurance: Frequently top-rated for customer service and claims satisfaction in consumer surveys, offering comprehensive, third-party fire and theft, and third-party-only cover.

  • AMI Insurance: A well-established nationwide insurer with robust repair guarantees and perks like their MotorHub repair network. You can check current offers on the AMI Car Insurance page.

  • State Insurance: Another major traditional provider with comprehensive and flexible policy options. You can explore their current deals via State Insurance. [Canstar NZ]

  • Tower Insurance: Known for straightforward online policy management and flexible excess options. You can view policy details on Tower Insurance. [Canstar NZ]

  • Cove Insurance: A newer, app-and-digital-focused insurer that frequently ranks as a competitive or budget-friendly alternative in the local market. More information is available at Cove Insurance.

  • Trade Me Insurance: Backed by popular New Zealand platforms, providing flexible online-managed comprehensive car policies. [MoneyHub NZ]

To get a comprehensive look at how these and other providers stack up on pricing and features for your situation, you can use comparison resources like MoneyHub's Car Insurance Guide or check ratings on Canstar Blue NZ.

If you'd like to narrow this down, let me know:

  • Your vehicle's make, model, and year
  • The level of cover you want (Comprehensive vs. Third Party)
  • Whether you want to use a comparison platform or quote them individually

I can give you more specific tips on what to look out for in your quotes.

Ask anything

Captured 11 October 2026