Obtaining car insurance quotes in South Africa

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In the past, obtaining a motor vehicle insurance quote would mean having to visit individual car insurance providers in person, which was a tiresome and tedious task. Obtaining fully comprehensive motor vehicle insurance for your car should not be that difficult. Now, thanks to the increasing popularity of the internet, it is not. Now using the internet to look for insurance quotes is as easy as logging on to a website that lists all the available car insurance quotes on one page. This makes comparing prices and levels of cover so much easier for the customer as they can instantly see what each insurance company has to offer. This is a much better alternative than having to travel around to different insurance company offices in order to obtain a quote for their insurance cover.

Here are some tips on how to get car insurance quotes.

Firstly, you will need to get as many insurance quotes from as many different companies as you can. The reason for this is that there are many insurance companies out there who would like your business and they will all differ in some way. Therefore, you need to take your time to look at what each company has to offer you in exchange for your hard earned cash.

Secondly, when the time comes to fill in the form that requires your information in order to provide you with a list of quotes, make sure that all of the information that you provide is as accurate as it possibly can be. This is because motor vehicle insurance quotes provided by insurance companies can only be as detailed and accurate as the information that you have supplied.

Next up is the problem of how to deal with the salesmen who will call you once they know that you are on the look out for car insurance quotes. These salesmen will be quite persuasive and it can be difficult to not accept the terms that they have to offer, however, you should not let yourself be bullied into taking the first offer that comes along. Try to be polite but determined that you want to look at the quotes of other companies before you make your final decision. Tell them in a nice, but firm way that you are not yet through with your research and that if you wish to take them up on their offer that you will make contact with them in the near future. These salesmen are typically paid on commission and they may persist in their attempts to sign you up to their company, just reaffirm that you will not be making a decision today.

Finally, make sure that you are the one person tasked with finding the right motor vehicle insurance quote for your vehicle. You are the customer and you are the one in control, do not let an insurance company give you an attractive quote only to change it when the time comes to filling in the paperwork. There are many insurance companies out there and if one company tries to change the deal, leave and look elsewhere.

 


Third party or comprehensive insurance?

Motor vehicles are without doubt one of life’s necessities rather than the luxury item that they used to be many decades ago. That is why car insurance is also a necessity, as it helps to prevent the car owner from having to pay potentially huge sums of money in the event of theft or damage. Most cars in South Africa are covered by third party insurance which covers fire and theft. If you want a more comprehensive insurance policy, there are many insurance companies out there.

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Third party insurance is fine if you have to stick to a budget; however, this type of cover is not going to cover you for the costs of damage caused by having a road traffic accident that was your fault. If you want to make sure that there are no hefty repair or compensation bills about to head your way, then you should opt for a comprehensive motor vehicle insurance policy.

Car insurance quotes can be obtained from many different insurance companies that specialize in providing motor vehicle insurance policies. Car insurance quotes are an estimate of the cost of covering your motor vehicle against loss and damage and is provided free of charge (if a company wants you to pay for an insurance quote, politely decline and move on) to the vehicle owner.

With everyone looking to save money due to the difficult global financial situation, a lot of people are looking to make substantial savings when the time comes to renew their motor vehicle insurance. That is why you need to compare as many quotes as you can, from as many different motor vehicle insurance companies as possible. That way you will have a clearer picture of who can offer you the best deal on your car insurance.

The best (and by far the easiest) way to compare multiple car insurance quotes, is to look on the internet. There are more and more companies that are dealing with their customers, exclusively online and this can be a great money saver. Because they are doing all of their business online they have less expenses and this means that they can offer better discounts on car insurance policies.

Car insurance is great as it helps to protect your car from unwanted damage or loss and this is especially true if your car is your only means of getting around. If you were to lose your car, then without adequate insurance, you may not be in a position to replace it.

Thanks to the internet, it is now easier than ever before to compare motor vehicle insurance quotes from a number of different motor vehicle insurance companies. With so many different companies out there vying for business, it is no wonder that the cost of motor vehicle insurance is fast becoming a better value for the money. This amount of competition can only be good for the consumer and is leading to an upsurge in the amount of discounted insurance policies that the average person can choose from.

 


South African car insurance comparison websites

 

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Obtaining the right car insurance quote for your vehicle can appear to be a difficult task that you can only achieve by spending a lot of time looking through endless piles of data and information from a plethora of car insurance companies. In South Africa, the situation is no different. Here you can expect to find numerous motor vehicle insurance companies who are all looking to gain your custom. Yet just how do you go about trying to find the best policy for you, or one that suits not only your requirements, but also one that is affordable, and will not stretch your finances to their limit?

Locating the right car insurance quote comes down to the places where you are looking as well as the type of motor vehicle you own and the amount of driving you do. In order to make the process of finding the right motor vehicle insurance easier, then there are websites online that allows you to compare the options from numerous insurance companies at the same time. When looking at a comparison website, they will ask you for information and it will be of great benefit to you if you can provide the website with as much information as you can. This will help the website to tailor the results it gives to the information that you have given it.

There are a lot of drivers on South African roads that do not have fully comprehensive motor vehicle insurance and that is not a problem, until they have an accident and then the problems begin. The Road Accident Fund that the South African government set up offers people third party insurance protection, but this kind of policy is very restricted in the type of cover it provides. When it comes to having an accident, if you have no insurance or only third party insurance, then you are going to be liable for the full amount of the cost of the repairs to your motor vehicle.

A proficient motor vehicle insurance company will be able to offer you a number of different policy options that will vary in the amount of cover that they provide, as well as the amount of money you will be expected to pay each month. All of the motor vehicle insurance companies will be after your business and for that reason, you should not settle on the first offer that comes up, rather, you ought to look at what all of the other insurance companies have to offer. There is no harm in asking for a little more and trying to gain some extra features or discounts on your policy.

Taking your time and shopping around for the best motor vehicle insurance will mean that you are going to get the best rates and the best amount of vehicle cover that you can afford. Using a website that will help you to compare prices at the click of a computer mouse button will go a long way to taking the hassle out of buying car insurance.

Shop Around For Your Car Insurance Quotes

Car owners in South Africa should be aware that fully comprehensive motor vehicle insurance is not as expensive as they might think, if you know where to look. So how do you go about searching for the best car insurance quote?

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Joyride Terminus (Photo credit: IntangibleArts)

When it comes to motor vehicle insurance, searching for a policy that suits both your needs and your budget can seem a bit daunting. There are a few things that you will need to think about when it comes to searching for car insurance quotes online.

Firstly, you will need to take your time and do not opt for the first tempting car insurance quote that you come across. Using a website that allows you to compare quotes from a number of different companies is a good place to start, as they will list the outline details of what each insurance company has to offer, all on one page. Once you have found one or two insurance quotes that catch your eye, then you can click on the link that will take you to a page that will list the full details of what that particular insurance company has to offer.

Motor vehicle insurance companies will offer differing quotes and some companies will offer the same policies for less money. Furthermore, there are companies that will allow you to pay your monthly premiums via the internet. This can help you to avoid the unnecessary cancellation of your policy due to your latest payment getting lost in the post.

When searching for car insurance quotes on the internet you will probably be surprised by just how much each company’s policies differ from one another. Some will offer discounts for having more than one car on the same policy whilst others will reward older or safer drivers with a lower premium.

If you have a poor driving record or are below a certain age (typically 25) you may find that most of the motor vehicle insurance quotes you receive will be quite high. Insurance companies do this in order to offset the risk of paying out on a premium, which for someone who is a careless or inexperienced driver is likely to happen. Insurance companies do not like to pay out, but they are more than happy to take your money. If they think that there is a high risk of them having to pay out on an insurance premium in the future, you can expect to be paying a lot more money than an older safer driver.

If you already have a fully comprehensive motor vehicle insurance policy with an insurer, and it is up for renewal, then you may find that you can negotiate a lower monthly premium if you have been with them a long time and not made a claim. Of course, they are under no obligation to provide you with a cheaper monthly premium, and it is for that reason that you should be prepared to look elsewhere in order to save yourself some money.

Save On Car Insurance Without Losing Coverage

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Although motor vehicle insurance is not required by law in South Africa, it makes sense to have your vehicle covered against the number of different things that can happen to it. This includes theft, malicious damage or damage caused as a result of a collision. The basic form of insurance is third party insurance, but this is limited to only covering very basic problems and you could be left with having to pay for another motor vehicle out of your own pocket when things go wrong. Fully comprehensive car insurance is better, however, it is going to come at a price, and it can be considerably more expensive than the basic level of car insurance.

When the time comes to start searching for a motor vehicle insurance policy then you need to consider all of the alternatives. There are many insurance companies who are in a position to offer you cheap car insurance, and this means that finding the best one for you can be a bit tricky, not to mention time consuming. Most car insurance companies will be able to offer you a discount if you have an accident free driving history and this can save you a lot of money compared to a younger driver who has had one or two or more accidents in the past. When you get different quotes from many different companies then you have the choice of which one suits your needs. Additionally, most motor vehicle insurance companies will be able to offer you cheaper premiums if you sign up to one of their policies online, as this cuts down the need for endless paperwork.

No matter how cheap the quote is, you need to make sure that you fully understand the level of coverage you are going to receive in exchange for your hard earned cash, before signing on the dotted line.

Cheap car insurance in South Africa is also cheaper when you want to insure more than one motor vehicle at the same time. Most motor vehicle insurance policies companies will offer bigger discounts for each extra vehicle that you add to your policy when you sign up with them.

One of the best ways in which to keep the cost of your motor vehicle insurance costs down is to make sure that you have a clean driving history. Things such as having a lot of collisions or being in trouble with the police for motoring offenses can mean that it can be extremely difficult to obtain cheap car insurance.

One final way of lowering the costs of your motor vehicle insurance premiums, is to make sure that your car or motor vehicle is secured when unattended. Fitting anti-theft devices such as, alarms and steering wheel locks can reduce the risk of your vehicle being stolen and this in turn will allow the insurance company to lower your insurance premiums.

With a little bit of time and effort on your part, you can get the cheapest car insurance quote for your vehicle without sacrificing your level of coverage.

Obtaining affordable motor vehicle insurance online

Motor vehicle insurance in South Africa means having at least the minimal amount of coverage against theft. However, if you want an insurance policy that covers you for more than that, then you need to have fully comprehensive car insurance. Fully comprehensive motor vehicle insurance can be on the expensive side, and for that reason, a large percentage of motor vehicle owners in South Africa, shy away from opting for higher coverage.

Fully comprehensive motor vehicle insurance makes more sense. Yet, when your car becomes involved in an accident, you may find that the amount of money received from your insurance company, does not go anywhere near covering the cost of the repair bill.

Collision on the hill

Collision on the hill (Photo credit: kenjonbro)

When it comes to finding suitable and affordable car insurance quotes, it makes much more sense to begin your search online, as you will be able to compare prices side by side if you use a comparison website. Additionally, there will be an opportunity to study and read the feedback and views of the people who have already dealt with the company in question. That way you will be able to garner an understanding of just what kind of customer service they can offer, as well as the amount of different premiums and their costs and coverage and so forth.

Cheap and affordable car insurance is not always the best answer and you will have to make sure that what you are paying for, gives you a good level of coverage for when the worst happens and your car is involved in an incident. After all, you do not want to pay money for a motor vehicle insurance policy that does not cover your motor vehicle if you are involved in an accident. The least you can expect to get from a basic motor vehicle insurance policy, the absolute bottom line, is to be covered against theft, fire, and collisions.

One way of lowering the amount you are expected to pay every month for your car insurance premium, is to raise the amount of the excess on your policy. If you are not sure what the excess is, it is the amount of money that the insurance company will expect you to pay towards the costs of any claim you make on your policy. Typically this will start at around 500 Rand but the higher you set it, the less you will be expected to pay on your insurance premium.

Trying to find a cheaper car insurance policy can be a bit daunting for those people who are not used to looking at multiple car insurance quotes from many different companies. That is why you need to take some time in order to make sure that you understand all of the details and small print that is usually involved with signing up for an insurance policy. If you are not careful you could end up signing up for a motor vehicle insurance policy that is totally unsuitable for your needs as well as costing you too much money.

Getting The Best Insurance Quote For Your Car

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Moulage (Photo credit: Wikipedia)

The majority of car owners often dream of having cheaper car insurance premiums, but they are unsure how they can go about it and just end up signing up for the first policy that gives them the coverage they think they need. It does not have to be this way though, as South Africa has a number of insurance companies that are in a position to offer cheap car insurance quotes if you know where to look.

Some people have been known to shy away from signing up for the cheapest motor vehicle insurance policies, because they are worried that they will not get the level of coverage they require, or that there will be hidden charges. Although it can be said that there are some less than reputable insurance companies out there who will offer what looks like a cheap car insurance policy, only to have hidden charges to make it more expensive in the long run. There are many insurance companies in South Africa that are more than capable of offering cheap car insurance without any nasty hidden expenses popping up after you have signed on the dotted line. So long as you take a bit of time to do some research and look at each policy and insurance quote in detail, then you should avoid falling into the trap of signing up for an insurance policy that is more expensive than you thought.

On top of doing some research, it is well worth remembering that you can also save money if you belong to a certain demographic, such as a student or a senior citizen. Plus, you will find that most motor vehicle insurance companies will be in a position to offer you a discount on your premiums if you have a clean driving history. If you have never had a collision or been in trouble with the police for motoring offenses, such as speeding or driving whilst under the influence of alcohol, then you will find that most motor vehicle insurance companies will look favourably on this.

Another element that can affect the amount of money that you can expect to pay, for your car insurance premium, is the type of car that you are driving. If you own an expensive car, such as a luxury car or a sports car then you will be expected to pay more for your insurance, and this is for the reason that your car is more likely to be prone to vandalism and theft. This means that the cost of replacing the car, or indeed, repairing any damage, will be considerably higher than for a smaller, less expensive car.

Lastly, you should be able to reduce the cost of your motor vehicle insurance premiums by fitting anti-theft devices to your car. Items such as, alarms and immobilisers, are a good way of lowering the risk of the theft of your motor vehicle, and thus reducing the amount of money that you can expect to pay for your insurance premiums. Insurance costs are all about risk, and if you can lower the risk of theft and damage to your motor vehicle, then your insurance company should be more willing to offer you a lower insurance cost.

 


Finding cheap car insurance is not as hard as you might think

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Motor vehicle accident following a vehicular pursuit (Photo credit: Wikipedia)

One of the worst errors of judgement that any driver can make when it comes to taking on a car insurance policy is to have a premium that costs a lot of money, only to discover a few days later that there is another policy that matches theirs but is much cheaper. Of course, in South Africa there are a large number of people still driving around without any kind of motor vehicle insurance. This is because, motor vehicle insurance is not mandatory in South Africa as it is in other countries around the world. Most people who are travelling around without adequate motor vehicle insurance give the explanation that the cost of the monthly or yearly premiums is too high. That can be true but on the other hand, having insurance can negate the need for costly repair bills when the worst happens and you have an accident.

There are many motor vehicle insurance companies out there who are now offering more reasonable rates for those who are looking to insure their car, but who are restricted by a tight budget. Thanks to the growing popularity of the World Wide Web, more and more insurance companies are now in a position to sell their cover online and this can also help to keep the cost of the monthly premiums down.

There are certain groups who are going to find that their insurance quotes are fairly high and these include, drivers under the age of 25 and those drivers who are deemed to be of poor standard. Both of those groups can expect to pay more for their monthly premiums than older drivers and those who have had very few or no accidents at all.

When it comes to cheap car insurance in South Africa, there are one or two things that you can do to lower the amount of money that you can expect to pay each month. For example, as with most other kinds of insurance, you will be expected to pay an “excess”. The excess is the amount of money that you will be expected to pay towards the cost of repairing your motor vehicle should you have an accident. Only when you have paid this excess will the insurance company then payout and cover the rest of the repair bill. By setting your excess to a higher amount when you first take out the car insurance policy, you will find that this lowers the amount you are expected to pay towards the premium each month.

Another way to reduce your monthly payments is to negotiate with your existing insurance provider if you already have one. If you have had an insurance policy for a long time with the same company and not made a claim, you are in a good position to negotiate a special reduced rate when your policy is up for renewal. Threatening to leave them for another company that can provide the same cover for less will usually spur your existing insurance company to match that offer in order to keep you as a customer.


Comparing Car Insurance Quotes

Accidents Will Happen

Accidents Will Happen (Photo credit: elycefeliz)

If you are searching for cheap car insurance quotes, then you will need to think about which insurance companies are in a position to be able to offer you the best deals. Having your own personal motor vehicle insurance is important when you are driving in South Africa as you need to make sure that you are covered against any unwanted damage to your car.

There are a lot of different companies out there who are currently in a position to offer competitive rates for motor vehicle insurance. Trying to negotiate through all of the information and data can sometimes be a bit of a chore, not to mention, confusing. As it is, a lot of people end up paying more than they need to for their motor vehicle insurance and this is because trying to find the best deal can be difficult.

Most of the different motor vehicle insurance companies will offer a wide variety of car insurance plans, depending on the vehicle size and proficiency of the driver. It is important to make sure that you provide the insurance company with as much detailed, up-to-date and honest information that you can, as this will allow them to tailor the insurance quote to suit your situation.

You can also search for those insurance companies that have offers and discounts for drivers who have an accident free driving history, because safer drivers are deemed as less of an insurance risk. However, just because you have an insurance policy at a discounted price, does not mean that you automatically have the best policy. This is something that you will need to look into before signing on the dotted line. Check the insurance policy against those of other companies in order to be completely sure that you are about to sign up for the best insurance policy for you. Get plenty of car insurance quotes, as many as you can, as this will help you to find out which one will suit your circumstances best.

Some insurance companies will also offer discounted motor vehicle insurance policies for students as well as women drivers. So if you fall into this category then it is worth asking for any special discounts that they might be offering for your demographic.

Finding the best value motor vehicle insurance policies in South Africa is all about comparing prices. The only way that you will be able to do this successfully is to make sure that you can get hold of as many quotes, from as many different insurance companies, as possible. Ask them about their special discounts for older, student or female drivers and keep comparing, in order to find the best deal for your motor vehicle insurance needs. No one wants to pay too much for their motor vehicle insurance and neither should you, as signing up to the wrong policy is going to cost you more money in the long run as well as maybe even leaving you without adequate cover for your car.

 


Obtaining Cheap Car Insurance in South Africa

In these modern times and with the car now the main mode of transport for getting around South Africa there are more cars and motor vehicles on the roads of South Africa. The result of this is that collisions are becoming more prevalent. There are still a large number of the populace of South Africa who own motor vehicles but are not covered by motor vehicle insurance. That is why it is a good idea to cover your vehicle with some kind of motor vehicle insurance in case the worst case scenario happens and you and your vehicle are involved in an accident.

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Many people who do not have motor vehicle insurance for their car use the excuse that the monthly insurance premiums that they would have to pay, are beyond their means. With motor vehicle insurance not compulsory in South Africa, there are going to be a lot of uninsured drivers on the road and therefore the chances of being involved in an accident with an uninsured driver are quite high. When you have an accident in your vehicle and you do not have insurance, then you are going to have to pay for the entire bill to rectify the damages yourself.

However, if you have motor vehicle insurance on your car then you will not be liable to pay the full amount of the repairs. Acquiring cheap car insurance in South Africa is not as difficult or problematic as you might think and there are a number of companies out there who are willing to offer an insurance policy that is affordable for most people who are sticking to a budget.

When you are thinking about obtaining cheap car insurance then it is a good idea to do some research first in order to compare prices and levels of cover available. Therefore, making use of the internet is a great way to compare the cost of insurance premiums and levels of cover. There are many websites out there that will list quotes from many different companies on the same page, and this will make comparing quotes so much easier.

There are one or two ways in which to lower the monthly payments on your motor vehicle insurance. The first is to raise the amount of excess when you first take out the insurance cover. The excess is the amount of money you will be expected to shell out when you have the misfortune of having an accident. The insurance company will deduct the amount of the excess from the total cost of repairs and then pay the rest. For example, if your excess is 500 Rand and the cost of the repairs to your car come to 1500 Rand, and then the insurance company will pay 1000 Rand. Raising the amount of your excess will help to lower the amount you will be expected to pay for your premium each month.

With some research and effort you will be able to obtain cheap car insurance that will provide you with a level of cover that you need for a price you can afford.

Cheap motor vehicle insurance quotes

When taking out a new motor vehicle insurance policy, one of the biggest errors of judgment that most motor vehicle owners make, is that they end up paying large sums of money for an insurance policy that is totally unsuitable. On top of which, they may have failed to notice that their insurance policy could have been purchased elsewhere for much less money. This occurs because they did not shop around and just went with the first company that came along.

English: motor vehicle accident Euskara: auto ...

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Looking for cheap car insurance can be a time consuming process, as there are many companies in South Africa that are offering motor vehicle insurance policies. That means that it can be difficult to navigate through the maze that is motor vehicle insurance policies and their terms and conditions. Trying to find the cheapest car insurance policy that best suits your needs means taking your time and making the effort to really look at what companies are providing the cover you need, for the lowest price.

Your first course of action, when it comes to looking for the cheapest motor vehicle insurance for your car, is to make a list of as many of the motor vehicle insurance companies as you can find. Look on the internet for the national companies, but also, do not neglect the smaller, regional companies, who may be able to offer good deals to local people. You should look for these companies in your local business pages or telephone directory. That way you will have a list that has a nice mix of local as well as national motor vehicle insurance companies.

Next, you should work through your list, one company at a time, and obtain as many quotes as you can for the insurance policy that best suits your, age, motor vehicle and driving history. Then once you have motor vehicle quotes from all of the companies on your list, you can begin to compare the prices of their cheapest quotes against each other, as well as the amount of insurance cover that you will receive.

Once you have narrowed down your motor vehicle insurance policy list, down to one or two companies, you can then make contact with them and begin negotiating as you may even be able to get the cheapest quote even cheaper. It is not uncommon for motor vehicle insurance companies to try and raise the cost of your insurance policy quote when speaking to you in person. They may try and say that the information you provided them was incomplete, and that the quote you received was lower than it should be. That is why you need to make sure that when you provide the information for your car insurance quote that you give the most accurate information in order to get the most accurate quote. Bargaining with the motor vehicle insurance company will enable you to get the lowest price possible in return for the best level of coverage that you and your car need.


Cheap fully comprehensive insurance cover for your car

There are a lot of uninsured motor vehicles on the roads of South Africa at the moment and this is for the reason that motor vehicle insurance is not mandatory in the Republic at the present time. Most uninsured drivers will state that they find motor vehicle insurance premiums are too costly and that they cannot afford to make the monthly payments. Therefore, a lot of drivers would rather take a gamble and hope that they do not have a serious car accident in the future, rather than spend a little bit of money each month for that added peace of mind that comes with knowing that you are fully insured. They would rather rely on the state’s Road Accident Fund that automatically gives them third party insurance.

St. Patrick's Day Collision  2 of 4

St. Patrick’s Day Collision 2 of 4 (Photo credit: 7mary3)

The problem with the third party insurance provided by the Road Accident Fund is that it will only cover a small amount of incidents that you may come across as a car owner. There is only one way to guarantee that you are fully covered against all possibilities and that is to obtain fully comprehensive cover from a specialist car insurance company.

Most uninsured drivers will say that finding cheap car insurance in South Africa is not an easy task and for that reason they are more than happy to take their chances and rely on the third party insurance provided by the Road Accident Fund. There are many companies out there who are currently offering great deals on fully comprehensive motor vehicle insurance. Searching online is a great way to locate cheap car insurance in South Africa and there are many websites out there that will do all the work for you, comparing prices and levels of cover and listing them all on one page.

Relying on the Road Accident Fund is a huge risk to take if you have the means to pay for fully comprehensive insurance, because not only is the amount of cover limited, if the accident is your fault, then you are still going to be subjected to litigation by the other party. This could then lead to you having to pay huge sums of money to the person with whom you collided, and if they have received injuries as a result of the collision then the cost is going to be even higher.

The only way to avoid this potential scenario is to take out a fully comprehensive motor vehicle insurance policy that will provide you with the peace of mind that comes with knowing that you are covered against all eventualities.

Finding cheap car insurance in South Africa is not as much of a chore as you might think. Whereas making a claim through the Road Accident Fund can be a long, tedious and not to mention complicated process, searching for an insurance company is as easy as looking on the internet.

With a little bit of time and patience you can easily find the right comprehensive insurance policy that will give you full cover at a price you can afford.

 

Tips on acquiring affordable car insurance

A car crash on Jagtvej in Copenhagen, Denmark.

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If you are worried that you are not getting the best deal possible on your car insurance, then you are not alone, as many people often find themselves in the same situation. Most car owners do not realise that they are actually paying way too much for their motor vehicle insurance and that finding a cheaper deal is not as problematic as they have been lead to believe.

The best way to find cheap car insurance in South Africa is to compare car insurance quotes from a number of different providers. This is a task that is best completed with the help of the internet as it will save you time and energy, unlike the alternative of contacting or visiting each insurance company in turn. More often than not, most motor vehicle insurance companies will be able to offer differing car insurance policies depending on the age, vehicle and driving history of the applicant.

Another way to lower the costs of your car insurance premiums is to make sure that if you have more than one motor vehicle, that you insure them all with the same insurance provider. By doing this, they can offer you a discount for placing all of your motor vehicles on one policy. Or alternatively, if you do not have more than one car, if the insurance company also offer insurance on other items, such as home or content, then by switching all of your insurances to one company, they should offer you a discount for all of your insurance needs.

Motor vehicle insurance companies also favour people who make sure that they have minimised the risk of theft and vandalism, by making sure that their vehicle is safe when not being used. Storing your motor vehicle off the road and fitting it with anti-theft devices, such as immobilisers and alarms, mean that your vehicle is less likely to be stolen or vandalised. As a result of this, there is less financial risk from the insurance company’s point of view, which in turn means that they can charge you less money.

The type of car or cars that you own is also another factor when it comes to an insurance company working out the cost of your insurance premiums. If you own a sports car or a luxury car then there is more chance of it being stolen or vandalised than an older car of less worth.

When the time comes to renew your car insurance then you need to make sure that you have a good clean credit history and that you have always paid your premiums on time. This will go some way to making your insurance premiums lower due to the fact that the insurance company will trust you to make you payments in full and on time.

With a little bit of time and effort on your part, you can say goodbye to the days when you paid a lot of your hard earned money on expensive car insurance policies, and switch to a lower tariff that gives you the same level of coverage.

Finding Cheaper Insurance For Luxury Vehicles

Even although car insurance is not mandatory in South Africa at present, it is still something that every driver really should think abut getting. It offers the driver peace of mind that in the even of an accident, theft, or hijacking, they will not be financially liable for any costs incurred. When the vehicle is a higher end model, like a sports car perhaps, this can be even more important. These luxury models are expensive and replacement parts and repairs can be very costly.

 

Day 209 - West Midlands Police - Uninsured veh...

(Photo credit: West Midlands Police)

If you drive a high end vehicle, you must approach a selection of insurance providers so that you can compare quotes. The more valuable your vehicle, the more expensive your insurance premiums are likely to be, that makes it more important than ever to get a range of quotes so that you are able to get the best value for money. You may not want to opt for the cheapest car insurance quotes, but you should be able to evaluate your options and find out which one offers you the best value for your money. Instead of going through the process of obtaining quotes one by one, you can use autoinsurance.co.za to simply enter the required information once and we will look for the most suitable quotes from South Africa’s leading insurance providers.

 

Again, it is necessary to bear in mind that the cheapest quote is not always the best choice. What you are looking for is value for money. Think about what it is you want from your policy. If you want a higher excess then you can expect a lower monthly premium. Setting a higher excess is a good idea to keep car insurance quotes low if you drive an expensive sports car, but you must remember that you must be able to cover the cost of the excess in the event of a claim. It is a good idea to keep a small savings account for car related expenses to cover this.

 

The fact is, that if you have a sports car or luxury vehicle, the price you can expect to pay for monthly insurance premiums to be higher than for other vehicles. These cars are often faster and therefore seen as more of a risk for accidents. They may also be more attractive to potential thieves and hijackers. However, with a little research it is possible to find cheap car insurance quotes.