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

If you live in Otago, New Zealand, I’d start by comparing AA Insurance, AMI, State, Tower and Cove. They’re worth getting quotes from for a private car, then you can compare the actual price and policy conditions for your vehicle and where you live.

There isn’t one insurer that will necessarily be cheapest in Otago. Your car, age, driving history, address, excess and level of cover can all affect the quote.

Companies worth comparing

AA Insurance

A good starting point for comprehensive cover. Its policy includes cover for damage to your own car and other people's property, with an agreed-value settlement option and a lifetime repair guarantee when you use its repairers. Comprehensive Car Insurance Quote Online

Get a quote or compare cover

AMI

Worth comparing for comprehensive, third-party fire and theft, or basic third-party cover. Comprehensive policies include cover for accidental damage and theft, and AMI advertises roadside assistance with its comprehensive car insurance. Comprehensive Car Insurance | Full Vehicle CoverAMI Car Insurance | Online Quote

Get an AMI quote

State

A useful comparison for straightforward cover, especially if you want to see how a higher or lower excess affects the premium. It offers comprehensive and third-party options. Third Party Car Insurance | Quote & Buy Online

Get a State quote

Tower Insurance

Another established option to quote. Compare its comprehensive policy against the others for accidental damage, theft, excesses and any extra benefits you might need. Comprehensive or third party car insurance?

Visit Tower Insurance

Cove Insurance Comprehensive Car Insurance - Car insurance — Consumer NZ

Cove

Worth adding as an online-first comparison, particularly if you prefer getting a quote and managing your policy digitally. Check the available cover and excess options for your particular car.

Visit Cove Insurance

What type of cover should you compare?

Cover type What it generally protects Best suited to
Comprehensive Your car and damage you cause to other people's property Newer, valuable or expensive-to-replace cars
Third party, fire and theft Damage to others, plus theft or fire damage to your car Older cars where you still want some protection
Third party only Damage you cause to other people's property Lower-value cars when you can afford to replace your own

Exact benefits and exclusions vary by insurer. AA Third Party Car Insurance Quote OnlineComprehensive or third party car insurance?

What matters particularly in Otago?

When comparing quotes, check:

  • Windscreen and glass cover: whether it is included or costs extra, especially if you drive on gravel roads.
  • Rural and unsealed roads: check that your normal driving is covered and review any relevant exclusions.
  • Agreed versus market value: understand how much you could receive if your car is written off.
  • Excess: compare both the standard excess and any additional excesses for younger or inexperienced drivers.
  • Repair arrangements: ask whether you can choose a repairer and how far you might need to travel for approved repairs.

My suggestion is to get at least three quotes with the same cover level, vehicle value and excess before deciding.

I can narrow this down for your car

What car do you drive, and roughly what year is it? For example, a 2015 Toyota Corolla. I can then suggest which insurers and cover types are most worth comparing for your situation in Otago.

Ask anything

ChatGPT can make mistakes. Check important info.

Captured 11 October 2026

Gemini · New Zealand

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

When looking for car insurance in Otago, major nationwide New Zealand providers are your best options to compare. Because insurance pricing depends heavily on your specific vehicle, your age, driving history, and whether you live in a rural area or a town like Dunedin or Queenstown, getting quotes from multiple providers is essential.

Top car insurance companies worth comparing include:

  • AA Insurance
    AA Insurance offers comprehensive car insurance known for high customer satisfaction and reliable claims handling.
  • AMI Insurance
    AMI is one of New Zealand's largest direct insurers and frequently bundles helpful perks like optional roadside rescue.
  • State Insurance
    State provides flexible payment options and strong digital claims tools, earning top industry recognition.
  • Tower Insurance
    Tower offers straightforward online management with flexible choices between agreed and market value.
[ { "product_id": "1", "display_name": "AA Insurance", "Policy Types": "Comprehensive, Third Party, Fire & Theft", "Reputation": "Consistently high customer satisfaction ratings", "Key Perk": "Lifetime guarantee on authorized repairs" }, { "product_id": "2", "display_name": "AMI Insurance", "Policy Types": "Comprehensive, Third Party, Fire & Theft", "Reputation": "One of NZ's largest direct insurers", "Key Perk": "Roadside rescue options available" }, { "product_id": "3", "display_name": "State Insurance", "Policy Types": "Comprehensive, Third Party, Fire & Theft", "Reputation": "Recognized for strong claims support", "Key Perk": "Flexible payment frequencies (weekly, monthly, annual)" }, { "product_id": "4", "display_name": "Tower Insurance", "Policy Types": "Comprehensive, Third Party, Fire & Theft", "Reputation": "Fully digital-focused management portal", "Key Perk": "Choice of agreed or market value" } ]

Recommendation

For the best balance of value and coverage, start by getting online quotes from AA Insurance and AMI, as their policy structures and repair networks cater well to motorists across both urban and rural regions of the South Island.

If you like, I can guide you on what specific details (like agreed versus market value) to look out for when insuring a vehicle in a region prone to varied weather and driving conditions like Otago. Do you want me to do that?

Ask Gemini

Gemini is AI and can make mistakes.

Captured 11 October 2026

AI Overviews · New Zealand

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

AI Overview

For a driver living in the Otago region, selecting car insurance means balancing digital convenience, premium costs, and claims reputation. Several prominent New Zealand car insurance providers are worth adding to your comparison checklist.

Key Insurance Companies to Compare

Insurer Backed By Key Features & Highlights
Cove Aioi Nissay Dowa Digital-First: Frequently ranks as one of the cheapest options in independent market scans. Often offers promos like a free month of cover. Note: Generally excludes under-21 drivers.
AA Insurance JV with Vero & NZAA Most Trusted: Consistently wins consumer trust and satisfaction awards. Features a Lifetime Repair Guarantee and excess-free key replacement.
Tower NZX-Listed Comprehensive Benefits: Highly competitive pricing for under-25s and over-50s. Features instant online claims approval, high excess-free key replacement limits, and optional breakdown cover.
State IAG New Zealand Standard Value: Operates entirely online and via digital chat. Offers features like careless driving defense coverage and lower standard excesses, winning Canstar Best Value in 2026.
AMI IAG New Zealand Perks & Add-ons: Large national footprint. Policies include standard accidental windscreen protection and unlimited free AMI Roadside Rescue.
MAS (Medical Assurance Society) Member-owned Mutual Premium Customer Service: Consistently tops the Consumer NZ People's Choice satisfaction surveys. Though targeted at professionals, anyone can apply. They maintain physical advisers who service regions like Otago.

Tips for Optimizing Your Quote in Otago

  • Check Policy Bundles Carefully: Major underwriters like Tower and IAG (State and AMI) removed traditional multi-policy discounts in 2026. If you plan to bundle home and car insurance, calculate the total cost rather than relying on a discount sticker.

  • Agreed Value vs. Market Value: Opt for Agreed Value if you want certainty on the exact payout amount if your vehicle is written off. Market Value adjusts dynamically but generally lowers your immediate monthly premium.

  • Adjust Your Excess: Raising your standard out-of-pocket excess is the fastest way to drop your regular monthly or annual premium.

  • Pay Annually: Most providers offer a 10% to 15% discount if you pay your premium in one annual lump sum instead of monthly instalments.

To help narrow down the best choices for your situation, could you tell me:

  • The make, model, and year of your vehicle?

  • The age bracket of the main driver (e.g., under 25, or over 50)?

  • Whether you prefer a Comprehensive policy or just basic Third-Party cover?

Ask anything

Captured 11 October 2026

Google AI Mode · New Zealand

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

When comparing car insurance in Otago, several national and regional providers offer broad coverage with strong reputations for customer service and claims handling. Because insurance pricing depends heavily on your specific vehicle, driving history, and exact location (such as rural versus urban Otago), comparing multiple quotes is essential.

Major car insurance providers worth considering in New Zealand include:

  • AA Insurance : Frequently rated highly for customer service and claims satisfaction, offering comprehensive, third-party fire and theft, and third-party property damage policies alongside a lifetime repair guarantee on approved repairs.

  • AMI : A widely used nationwide insurer providing flexible policy options, easy online management, and comprehensive benefits.

  • State : Known for accessible online quoting, standard comprehensive inclusions, and regular promotional offers for new policyholders. [Canstar NZ]

  • Tower : Offers digital-first management, flexible excess choices, and sustainable initiatives, alongside regular online discount offers. [Canstar NZ]

  • FMG (Farmers Mutual Group) : Particularly relevant if you live in rural or regional Otago, as they specialise heavily in rural, lifestyle block, and farming community risks alongside standard vehicle cover.

To get a comprehensive view of the market, you can review consumer advice guides on Consumer NZ or compare provider ratings and features on Canstar New Zealand. Car insurance buying guide | Consumer NZ expert advice

If you can share a bit more about your situation, I can tailor this further:

  • Is your vehicle used for urban commuting or rural/farm driving in Otago?
  • Are you looking for Comprehensive or Third Party cover?
  • Would you like tips on adjusting your excess to lower your premium?
Ask anything

Captured 11 October 2026