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Cheaper Car Insurance Quotes -
Five Things To Check Out
Your car may be one of your most expensive possessions, perhaps only second to owning a home. You want to feel protected while driving your car and while it is parked. Cheaper car insurance is obviously the answer to that feeling of protection. When your annual policy falls due on your car or when you buy a new car the sensible consumer always gets car insurance and always shops around for the best cheaper car insurance quotes.
When getting insurance quotes know what the current market value of your car is and whether you want full replacement insurance or agreed value insurance. Depending on what your needs are the premiums will be different.
Know what excess you are prepared to accept on your car insurance. An excess is the amount you will pay in any claim before the insurance company pays the balance. Often it isn't worth claiming small amounts and losing your no claims bonus. In these cases it is worthwhile paying for this yourself and only using the insurance for larger claims. But this comes down to how risk adverse you are and whether you even have a no claims bonus.
Check with insurance companies if they offer discounts if you hold more than one policy with them. While this may be beneficial some car insurance companies may have higher premiums for insurance than others and be cheaper for house insurance. Getting quotes soon shows this.
If you get online insurance quotes and one seems particularly higher than the others try ringing the insurance company as you may have misunderstood one of the questions and it may have pushed the quoted premiums up.
Finally when getting insurance quotes don't always think cheapest is best. Before you sign up for anything see what the terms and conditions are and what items are excluded. If windscreens are excluded it may be worth paying R70 more to have peace of mind over chipped windscreens. |
