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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.
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 (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.
Nobody likes having to pay for additional expenses. The reality of the situation is, in the case of car insurance, it’s an expense everyone that owns a vehicle should incur. Why get car insurance? One of the cold hard truths about most drivers in South Africa is that they do not have car insurance. What does this mean to you as a driver? This means absolutely nothing if you are never in an accident of any kind, but we all know that the unexpected happens every day. There is always the possibility that an act of nature can damage your car. What if someone steals it and you are not insured. All of the expenses that are connected would come out of your pocket if you do not have some sort of car insurance coverage.
Many of you will say, why get additional coverage for the previously mentioned scenarios, if you are covered by the Road Accident Fund. The truth in that is, the damages that another person’s vehicle or property suffers as the result of an accident are not covered by those funds. Additionally, the process of trying to get the money out of that fund is a long drawn-out one. Most people who have had to deal with the process find that having personal comprehensive insurance is the better alternative.
With the need and desire for personal auto insurance on the rise, more insurance companies are creating a variety of policies that will work for everyone’s budget. Regardless of what you can afford to pay, there is a policy available from one of the insurance companies. Furthermore, with an increase in people searching for a quality, yet inexpensive priced insurance policy, the various insurance companies are competing with each other to offer the best rates available to get the most business.
If you want to have the peace of mind of knowing not only will you, your vehicle and possessions be protected, but also those of anyone that you may be involved in an accident with, personal car insurance will offer just that. Request your free quote at autoinsurance.co.za today.
Most people invest a lot of money into getting a vehicle, whether it is new or used, the purchasing of a car is not cheap. With such a hefty investment in purchasing a car, nobody wants to spend additional money to insure it. With the Road Accident Fund, automatically covering all South African car owners is there really a reason to invest in additional comprehensive insurance. The answer is most definitely yes! Despite the fact there is the Road Accident Fund available, this coverage will only pay for a very small portion of any mishap that may occur to your vehicle.
(Photo credit: Wikipedia)
Researching and investing in additional comprehensive insurance for your vehicles will help to ensure that you are not stuck spending money out of pocket in the event something happens. Everyone does their best to be safe when they drive and to avoid accidents. Unfortunately accidents and other things, such as acts of nature, do occur. Other drivers may be distracted and strike your vehicle. Flooding may occur if excess rain comes. Numerous scenarios could result in damage to your vehicle. Do not leave yourself open to unnecessary expenses when accidents occur, invest in auto insurance.
Once you have decided to look into additional insurance, make sure that you look for a credible company. A credible company will afford you with the best information regarding all the policies that are available. Additionally, it is important to make sure that the policies that you are offered would cover everything that you are wanting and will fit into your budget. At Auto Insurance, we will help you get quotes from various insurance companies to help you determine what will serve you best. If you want to ensure that your investment in your vehicle is covered, get quotes from us today.