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Unsure how to build the best car insurance policy for you? With comprehensive and third-party options with optional covers and other factors to consider, it can be tricky to work out which policy to choose. In this Everyday Explainer, Queenie Tan shares four questions every Aussie should ask before switching car insurance, covering car insurance types, optional covers, market value vs insured value, and car insurance excess. By the end, you’ll be closer to finding the best car insurance policy for your car, your budget, and your life. Read the full article: https://www.youi.com.au/you-connect/a... Chapters: 00:00 Switching car insurance 00:08 How to get the cheapest quote 00:25 4 Car insurance questions to ask 00:38 What type of car insurance do I need? 01:08 What types of car insurance are there? 02:00 Are you paying for optional covers? 02:44 Agreed Value vs Market Value 03:00 What is car insurance excess? 03:05 Car insurance mistake About the series: Youi Everyday Explainers is a series hosted by licensed financial creator, Queenie Tan. Each week, we unpack the tricky stuff Australians face daily – from car insurance fine print and weird road rules to what to do when the unexpected hits your home. More everyday explainers: Does Insurance Cover a Blown Engine: • When Does Car Insurance Cover Mechanical D... What Does Comprehensive Car Insurance Cover: • What Does Comprehensive Car Insurance Real... About Queenie Tan: Queenie Tan is a licensed personal finance content creator on a mission to help your money go further. She’s partnered with Youi to break down the fine print and show Australians what really matters when it comes to insurance. Find Queenie Tan on YouTube: / @investwithqueenie Subscribe for more everyday explainers like this: • What Does Comprehensive Car Insurance Real... Stay connected: YouTube: / @youi_insurance Facebook: / youi Instagram: https://www.instagram.com/youi_insura... TikTok: / youi_insurance Start a car insurance quote with Youi: https://www.youi.com.au/quote-start #CarInsurance #BestCarInsurance #CarInsuranceRenewalTips #ComprehensiveCarInsurance #ThirdParty #CarInsuranceExplained #AussieDrivers #SaveOnInsurance #QueenieTan #YouiEverydayExplainers Product issued by Youi Pty Ltd. Consider our Car PDS to decide if this product is right for you. PDS and TMD available at youi.com.au. Paid post. Queenie Tan is not a representative of Youi. Information accurate as of November 2025.