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.
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.