Cheap car Insurance questions Answered Online
July 15, 2016
Online cheap car insurance is available and is a legal agreement between the owner of a car and the insurance company.
You pay a premium and in exchange for that, you’re covered for losses.
These losses are damage to your car and any injuries to you and those in the other car.
All the terms of the car insurance, the types of losses covered and the amount of the coverage is laid out in your policy documents.
Most people don’t like paying for car insurance. They look for the cheapest they can find but which will still provide them with adequate cover.
So one of the First questions that need Answering is –
Do I seriously need car insurance?
Yes, especially in South Africa, which has such a massive accident rate. You want to protect yourself and others involved in an accident.
The costs of an accident can bankrupt you without insurance because you’ve got to cover repair costs out of your pocket.
If you are making loan payments on your car, the lender requires that you take out car insurance. The car is still ‘theirs’ while you’re paying it off, and they don’t want to lose anything.
What kinds of Online cheap car Insurance plans are there?
Comprehensive Car Insurance – the most desirable and most extensive insurance option. This insurance covers you for all possibilities such as accidents, theft, hijacking, damaged caused by hail and other weather conditions. It’s the most expensive car insurance.
Third Party Only Cover – the cheapest insurance cover. Provides cover for any damage you may cause to someone else’s vehicle. It will cover the costs connected with the accidental death or injury of third parties in an accident.
Third Party fire and theft cover – which sums it up.
What’s the Cost of Car Insurance in South Africa?
A few factors come into play. Your age, gender, the type of car you drive, where you live, your driving history and your claims history.
How can I bring my Car insurance premiums Down?
- Ensure you have a good, accident-free driving history
- Don’t drink and drive
- Compare insurance quotes
- Choose insurance which rewards you for not claiming
- Choose your car carefully, some vehicles are more prone to theft and will have higher premiums
Will added Security make my Car Insurance cheaper?
Yes. When you fit tracking devices and alarms, you can knock about 5% off your premium. Also if you have an open carport, by installing a lockup gate for it, you can also bring your insurance premiums down because your car now has a secure place to park and theft is reduced.
Online cheap car Insurance questions answered
Auto Trader South Africa is a professional publisher who launched in April 1992. Today they have moved from being just an automotive classifieds magazine to being an online business too.
Not only can you buy or sell a vehicle within its pages, the magazine, and its website, it is packed full of useful information. They answer all your questions on car insurance about why to buy car insurance, which insurance to buy, and how to get a quote.
To get a FREE car insurance quote complete and send the form on this page
All info was correct at time of publishing