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

 

English: Stolen car burnt out deep in the coun...

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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.

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.

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 Car Insurance in South Africa

According to a statistic, there are many road traffic accidents each day in South Africa and they can vary from the minor to something much more serious. Yet there are still many people who are driving without adequate motor vehicle insurance and it does not take a massive accident to cost you a lot of money when it comes to the repair bill.

Driving Cars in a Traffic Jam

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For a lot of people, the reason that they do not have their motor vehicle insured is because they feel that the amount of money that they are expected to pay each month for their premium is too high. Because they feel that they would be paying too much money, this leads them to take the risk of driving without insurance, in the hope that they do not have an accident.

With the number of accidents taking place on South African roads increasing, now is the time to start looking for cheap car insurance. Because of the global financial problems that are affecting most people in some way, a lot of people are looking out for the best deals on their car insurance.

As with most insurance policies there is an excess to pay. This is the amount of money that you will be expected to pay towards the final repair bill of your vehicle before the insurance company pays out. The higher you set the excess limit when you first take out the policy, the lower your monthly payments will be on your insurance policy. Taking on a higher excess is a good idea if you are a safe driver and you live in an area that is considered to be safe as you are less likely to have an accident or have your car vandalised.

If you already have a car insurance policy, then when the time comes to renew it, you can often negotiate a new deal for less monthly payments. This is especially so if you have never made an insurance claim and have been a good and loyal customer for a number of years, as well as paying your premiums on time and in full every month. The majority of insurance companies will not want to risk losing you as a customer and will in all likelihood, offer you the same policy at a slightly reduced rate in order to keep your custom.

In South Africa as with most countries around the globe, all insurance policy premiums are tailored to suit the driving history and aptitude of the individual in question. For example, if you are aged under 25 years old, you can expect to pay more than someone older than 25, plus if you are a driver who has had a lot of accidents you can also expect to pay more each month.

In order to find the best motor vehicle insurance that suits your needs and circumstances, it is good idea to search for car insurance quotes online via the internet. That way you can expect to find suitable car insurance for a price you can afford.