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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 Taranaki and need car insurance. Which companies are worth comparing?

If you live in Taranaki, I’d compare at least five car insurers before choosing a policy. There’s no single best insurer for everyone in New Zealand: premiums can vary considerably depending on your car, age, driving history, where you park and the cover you choose. Consumer NZ recommends getting at least three quotes. Car insurance buying guideCar insurance buying guide

The insurers I’d shortlist

These are the companies I’d start with for a car in Taranaki, comparing both price and the policy details.

  1. AA Insurance

Worth checking for comprehensive cover, agreed-value protection and its lifetime repair guarantee. If you're an AA Member, you may qualify for a discount.

Get a quote: AA Insurance website AA Car and Vehicle Insurance

  1. AMI

A good mainstream option to compare across comprehensive, third-party fire and theft, and third-party-only cover. Comprehensive policies include roadside assistance subject to terms.

Get a quote: AMI car insurance AMI Car Insurance | Online Quote

  1. State

Another established insurer worth quoting alongside AMI and AA. Compare its excess, optional benefits and claim conditions rather than assuming similar cover means a similar price.

Get a quote: State website Car Insurance Policy Comparison - AMI vs AMP vs AA vs State vs Tower and moreInsurance Companies in New Zealand

  1. Tower Insurance

Worth including for its range of cover levels and online quotes. Its comprehensive policy includes new-car replacement for qualifying newer vehicles, subject to conditions.

Get a quote: Tower car insurance Car Insurance NZ - Quick Quote & Buy Online

  1. Cove

A digital-first insurer worth checking if you prefer getting a quote and managing cover online. Compare its available policy options and excess carefully against the larger insurers.

Get a quote: Cove website Car Insurance Policy Comparison - AMI vs AMP vs AA vs State vs Tower and moreInsurance Companies in New Zealand

  1. FMG

Especially worth considering if you live or work rurally in Taranaki. Check whether its vehicle cover and eligibility suit your circumstances.

Get a quote: FMG website Compare Car Insurance Providers NZ

Two more worth checking

What I’d compare for Taranaki

Don't choose on the premium alone. Check these details in each quote:

  • Excess: the amount you pay towards a claim, including any additional excess for younger or inexperienced drivers.
  • Agreed vs market value: whether the payout is based on an agreed amount or the vehicle's market value.
  • Windscreen cover: whether glass claims are excess-free or require an optional extra.
  • Rural driving: whether your normal use, gravel roads, driveway or parking arrangements affect cover.
  • Replacement transport: whether you get a hire car while yours is being repaired.
  • Storm, flood and theft: particularly relevant if your car is regularly parked outdoors.

You can compare the policy benefits side by side using MoneyHub's NZ car insurance comparison. Car Insurance Policy Comparison - AMI vs AMP vs AA vs State vs Tower and moreCar insurance buying guide

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

I can help you prioritise which companies to get quotes from. What car do you drive, and roughly what year is it?

That will help narrow the options. It would also be useful to know whether you're after comprehensive insurance or just third-party cover.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

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

When shopping for car insurance in New Zealand—whether you are based in a main center like New Plymouth or a more rural part of the Taranaki region—the major nationwide insurers and digital-first challenger brands are worth comparing.

Insurance pricing and availability depend heavily on factors like your specific address, the security/parking of your vehicle (e.g., off-street vs. rural driveway), your driving history, and the make and model of your car. Because premiums vary significantly from provider to provider, getting quotes from a cross-section of the market is the best approach.

The key companies worth comparing include:

1. The Major Established Insurers

  • AA Insurance: Consistently rated highly for customer satisfaction and claims handling by organizations like Canstar. They offer good member discounts if you belong to the AA, and feature strong comprehensive options (including lifetime repair guarantees if using their approved repair network).
  • AMI & State: Two of the country's most prominent insurers (both under the IAG umbrella). They have extensive repairer networks and comprehensive policies that often include perks like roadside rescue or digital rewards (State was recognized as Canstar's Car Insurer of the Year).
  • Tower Insurance: Frequently scores very well for comprehensive policy inclusions, often providing broad benefits (such as two-year new-car replacement and strong key/lock or transport cover limits) alongside competitive online quoting tools.

2. Digital-First & Challenger Brands

  • Cove: A popular New Zealand-born digital insurer that frequently ranks as price-competitive. They focus on streamlined, entirely online policy management. Note that they generally cater to comprehensive policies and have specific criteria for younger drivers.
  • Trade Me Insurance / AMP / Mighty Ape Insurance: Other alternative providers that partner with major underwriters to offer competitive baseline pricing and occasional signup promotions (such as free months or digital gift cards).

Tips for Taranaki Drivers Getting Quotes:

  1. Garaging and Location Details: Be precise about where your car is kept overnight. If you live rurally in Taranaki versus living in town (New Plymouth, Hawera, Stratford), it can impact your risk profile and premium. Insurers will also look at whether the vehicle is locked in a garage, parked under a carport, or parked on an open driveway.
  2. Check the Repairer Network: Taranaki has a mix of urban and regional smash repairers. Ask how claims are handled if you have an accident away from a main hub, and whether they guarantee the repairs.
  3. Agreed vs. Market Value: For older or unique vehicles, check whether you are signing up for Market Value (what the car is worth at the time of the loss) or Agreed Value (a set locked-in amount).
  4. Compare Excess Levels: Adjusting your voluntary excess (the amount you pay upfront on a claim) can shift your monthly or annual premium up or down. Make sure you are comparing identical excess levels when looking at competing quotes.

Recommended next step: Visit the online quote tools for at least two traditional insurers (like AA Insurance or Tower) and one challenger brand (like Cove) to see how their pricing lines up for your specific vehicle and exact Taranaki location.

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

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

AI Overview

When looking for car insurance in Taranaki, the best companies to compare include mainstream providers, digital-first insurers, and specialized rural direct options. Because premiums vary significantly based on your specific Taranaki address, age, and car model, comparing a mix of these options will help you find the best rate.

Here are the key insurance companies worth comparing in New Zealand:

🏆 The Top Direct Insurers

These major providers dominate the New Zealand market and consistently win industry value and satisfaction awards:

  • AA Insurance : Highly rated for customer service and claims satisfaction. They offer a lifetime repair guarantee using their approved repair network and cover key theft without an excess.

  • Tower Insurance : Known for having some of the most feature-rich policies. Benefits include a 2-year new car replacement for total losses and up to $1,000 for excess-free key replacement.

  • AMI Insurance & State Insurance : Both brands are owned by IAG (New Zealand's largest insurance group). They offer very streamlined online quote systems and often run sign-up incentives like digital Visa gift cards. AMI policies also include free, unlimited 24/7 roadside assistance.

⚡ Digital-First & Budget Options

If you prefer managing everything online and want to aggressively target lower monthly premiums:

  • Cove Insurance : A 100% digital provider that frequently ranks as the cheapest option in multi-profile price reviews. They operate on flexible, monthly subscription-style policies and typically offer a "one month free" promo for new signups.

🧑‍🌾 Specialized & Rural Providers

Because you are located in Taranaki, a regional and farming hub, you may also want to check out provider structures designed around regional communities:

  • FMG (Farmers Mutual Group) : Consistently wins the Consumer NZ People’s Choice Award for satisfaction. While known for rural and farm insurance, they offer competitive personal car insurance for anyone living in regional areas.

  • MAS (Medical Assurance Society) : A mutual insurer that scores exceptionally high in customer satisfaction. Note that it is restricted to specific professional sectors (like health, law, and corporate professionals).

💡 Tips for Comparing Quotes in Taranaki

  • Agreed Value vs. Market Value: Opt for Agreed Value if you want to know exactly what payout you will get if the car is written off. Most major insurers like AA, Tower, and Cove offer this.

  • Use a Comparison Platform: Platforms like the Quashed Market Scan allow you to compare premium prices across multiple different NZ brands simultaneously to see how they stack up against your specific vehicle details.

  • Consider a Local Broker: If you have multiple assets (e.g., a farm, commercial vehicles, or house and contents), consulting a regional broker like McDonald Everest or Greenlight Insurance Brokers in New Plymouth can help you bundle and find custom policies.

To help narrow this down, what make and model of car are you insuring? It would also help to know if you're looking for comprehensive or just third-party cover.

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

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

When looking for car insurance in Taranaki , you have access to New Zealand's nationwide providers. Because regional areas generally benefit from lower base risk profiles compared to major metropolitan centers like Auckland, comparing a mix of traditional market leaders and digital-first alternatives will help you find the best balance of price and coverage.

Top companies worth comparing include:

  • AA Insurance — Frequently recognized by Canstar's Car Insurance Awards for outstanding value and customer satisfaction. They offer features like a lifetime repair guarantee and optional benefits, which is great if you prefer established claims handling.

  • State — Noted for competitive pricing below market averages, standard excesses, and practical extra inclusions like careless driving defense and travel/accommodation support. [Canstar NZ]

  • AMI — Offers strong comprehensive options that frequently bundle useful perks such as roadside rescue and standard accidental windscreen damage cover. [Canstar NZ]

  • Tower — Known for flexible or comprehensive policy details (such as specific age-bracket pricing and key replacement cover) and digital-first policy management.

  • Cove — A digital-first insurer that frequently ranks among the cheapest options for standard drivers (though they typically exclude drivers under 21) and offers flexible month-to-month or annual terms.

  • Consumer Choice / Aggregators — You can also use free local comparison tools like Quashed to check multiple quotes side-by-side. [Quashed]

When getting quotes, remember to check whether they quote on an agreed value or market value basis, and see how their standard and age excesses line up with your specific driving history.

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

  • Your car's make, model, and year
  • Your approximate age or driving experience
  • Whether you prefer comprehensive or third-party cover

I can give you a better idea of which of these providers traditionally suits that profile best.

Ask anything

Captured 11 October 2026