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

If you live in Waikato, New Zealand, I’d compare a mix of established insurers, online-first providers and a rural-focused insurer if you drive on country roads. The best option will depend on your car, your driving history, where you park and the level of cover you need.

My recommendation is to get at least three quotes for the same level of cover before deciding. Consumer NZ recommends this approach because premiums and policy benefits can vary significantly between drivers. Car insurance buying guideCar insurance

Car insurers worth comparing

  1. AA Insurance

A good starting point for mainstream comprehensive or third-party cover. Worth including as a benchmark against other major insurers.

Compare cover and get a quote: AA Insurance

  1. AMI

A mainstream option with several cover levels. Check its excesses, repair arrangements and any discounts for combining policies.

AMI car insurance

  1. State Insurance

Another established provider to price-check against AA and AMI, particularly if you want comprehensive cover.

State car insurance

  1. Tower Insurance

Worth comparing for price, excess choices and optional extras. Check whether its agreed-value or market-value option suits your car.

Tower car insurance

  1. Cove Insurance

A digital-first option worth checking if you prefer online quotes and managing your policy online. Verify the cover limits and exclusions against the traditional insurers.

Cove car insurance

  1. FMG

Particularly worth a look if you live rurally, use rural roads regularly, or have other rural insurance needs. Check that the policy suits your actual vehicle use.

FMG motor vehicle insurance

These are a practical shortlist, not a ranking of cheapest insurers. Canstar's current comparison tool also lists providers including AA, State, Cove, AMI and Tower. Compare Car Insurance Policies and Providers in NZCompare Car Insurance Providers NZ

Where to compare quotes

What cover should you choose?

Cover type Usually suits
Comprehensive You want protection for your own car as well as damage you cause to other vehicles or property.
Third party, fire and theft You want liability cover plus protection for your car against fire and theft.
Third party only Your car is worth relatively little and you could afford to repair or replace it yourself.

The precise protection depends on the policy wording. Car insuranceCar insurance buying guide

When comparing quotes, check the excess, theft exclusions, windscreen cover, towing, replacement-car benefits and whether repairs can be done by a repairer of your choice.

Let’s narrow it down for you

I can help you choose which insurers to approach first. What car do you drive, and roughly what year is it?

That will help me tailor the shortlist to your vehicle and whether comprehensive or third-party insurance is likely to make more sense.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

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

When looking for car insurance in New Zealand, comparing a mix of large traditional insurers, digital-first challengers, and bank-backed options is usually the best approach. Car insurance pricing depends heavily on your specific car model, age, driving history, and exact location, so getting multiple quotes pays off.

The companies most worth comparing include:

1. The Major Established Players

  • AA Insurance: Consistently rated highly for customer service and claims satisfaction. They are a joint venture with the NZAA, making them a household name with a strong reputation for handling claims smoothly.
  • AMI & State: Both are major direct insurers under the IAG umbrella and are widely compared by Kiwi drivers. AMI is well-known for offering benefits like free roadside rescue bundled into comprehensive plans and local repair networks.
  • Tower: Frequently cited as offering some of the most comprehensive policy benefits on the market (such as generous key-replacement cover and competitive flexibility).

2. Digital-First & Competitive Challengers

  • Cove: A popular digital-first insurer that has built a strong reputation for competitive pricing and quick, seamless online quotes and claims. Note that they generally focus on comprehensive policies.
  • Trade Me Insurance: Frequently offers competitively priced policies targeted at everyday vehicle owners.

3. Alternative & Specialist Options

  • AMP: Offers reliable everyday comprehensive, third-party fire and theft, and third-party options (underwritten in partnership with Vero).
  • Bank-Issued Insurance: Major retail banks like ANZ, ASB, BNZ, Kiwibank, and Westpac all offer car insurance (often underwritten by major insurers like IAG or Vero). If you already bank with them, it’s easy to pull a quick quote and check for any customer bundling benefits.
  • FMG (Farm Mutual Group): If you live rurally or semi-rurally in the Waikato region, FMG is a specialist worth considering, as they have deep roots in rural and provincial New Zealand communities.

Key Tips for Your Comparison:

  1. Agreed Value vs. Market Value: Check how each insurer handles payout definitions. An "agreed value" locks in a set payout amount if your car is written off, whereas "market value" pays what the car is deemed worth at the time of the loss.
  2. Read the Excess Structure: Compare the standard excess (and any additional excess for young or inexperienced drivers). Sometimes a slightly higher upfront premium results in a much lower excess if you need to make a claim.
  3. Check Added Perks: Some comprehensive policies bundle extras like roadside assistance, rental car cover after an accident, or excess-free windscreen replacement, which can tilt the scales if two quotes are close in price.

Recommendation: Run quick online quotes with at least two established brands (like AA Insurance or AMI) and a challenger brand (like Tower or Cove) to see how their pricing shapes up for your specific vehicle and driver profile.

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

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

AI Overview

All major New Zealand car insurers operate across the Waikato region. Because premiums in regional areas like Waikato are generally 20% to 35% cheaper than in highly congested metro areas like Auckland, you will find highly competitive rates by shopping around.

The average cost of comprehensive car insurance in New Zealand sits at $1,311 per year (around $109 per month), but your specific premium will depend on your vehicle model, age, and claims history.

The 5 Main Insurers to Compare in Waikato

Insurer Known For Key Features & Promos
AA Insurance Customer satisfaction & high trust • Lifetime Repair Guarantee
• Canstar winner for Most Satisfied Customers
Tower Insurance Robust tech & feature-heavy policies • $100 off new online policies (Promo code: EASYSAVE)
• Instant online claim auto-approvals
Cove Insurance Low premiums & digital ease • 1 month free + 10% annual discount
• Often ranks as the cheapest direct insurer for common cars
State Insurance Direct online management • Underwritten by IAG (NZ's largest insurance group)
• App-heavy ecosystem with live chat support
AMI Insurance Wide customer footprint • Shared back-end platform with State Insurance
• Large nationwide network

How to Maximize Your Savings

  • Pay annually: Settling your premium in one yearly lump sum instead of monthly installments usually secures a 10% to 15% discount across most providers.

  • Opt for a higher excess: Shifting your excess to $1,000 or higher can knock up to 20% or more off your premium costs. Just ensure you can easily afford the lump sum if you do need to lodge a claim.

  • Use real-time comparison tools: To avoid manually copying your information into five different websites, platforms like Quashed pull live, personalized quotes side by side specifically tailored to your driver profile.

To help narrow down the best choice, what is the make and model of your vehicle, and are you looking for comprehensive cover or basic third-party protection?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

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

When shopping for car insurance in New Zealand , pricing and suitability can vary significantly depending on your specific vehicle model, driving history, and location. While living in Waikato means you avoid the higher risk-adjusted premiums typically seen in larger metros like Auckland, it is still vital to compare multiple providers.

Here are the top car insurance companies and platforms worth comparing in New Zealand:

  • AA Insurance: Consistently rated highly for customer service and claims satisfaction, offering strong comprehensive policies with perks like a lifetime repair guarantee.

  • AMI Insurance: One of the country's most established mainstream insurers, offering robust comprehensive, third-party fire and theft, and third-party-only options.

  • State Insurance: A widely used nationwide provider with flexible policy configurations and standard comprehensive benefits. [MoneyHub NZ]

  • Tower Insurance: Known for flexible and digitally managed policies, including unique features like excess-free key replacement on comprehensive plans. [MoneyHub NZ]

  • Cove Insurance: A modern app-and-online-based insurer that frequently prices competitively for standard driver profiles (though exclusions may apply for under-21 drivers). [MoneyHub NZ]

  • Quashed: A free New Zealand insurance comparison platform where you can view and evaluate multiple policy offerings in one place. [Quashed]

  • MoneyHub Car Insurance Guide: An independent nationwide research guide detailing how different brands stack up on pricing across various popular vehicle models. [MoneyHub NZ]

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

  • The make, model, and year of your car
  • Your approximate age or driver tier
  • The level of cover you prefer (Comprehensive vs. Third Party)

I can help give you a more tailored idea of who might fit your needs best.

Ask anything

Captured 11 October 2026