Finding car insurance online couldn’t be easier.
There are a number of ways to find car insurance online:
- Look for an insurance comparison website
- If you have a company in mind, go to their website
- Run a Google search for “car insurance” and see what comes up
- Decide up front what level of insurance you are looking for
- Ask people you know
What would you do if you got into a serious car accident tomorrow? What if you wrote off your car? Would you be able to replace it? What if you caused the accident?
Car insurance is not something that we always think through. After all, it is just another expense, isn’t it? That approach, however, may mean that you are in for a very rude awakening.
Here’s a Reason Why you should Look for Ways to Find car Insurance online
Let’s say that you aren’t paying attention to the car ahead of you for a split second and you rear-end it. If you don’t have insurance, you will need to pay for all of the repairs – for your car and the other one.
Now, imagine for a second that it was a bad accident and both cars were write-offs. What does that mean for you? If you are still paying off your car, you are not going to be off the hook – you’ll need to keep up the payments.
You’ll want another car but getting finance for a second vehicle is not as easy when you already have a contract to pay off. Add in the costs for repairing the other car and suddenly you are on the hook for thousands of rands and sitting without a car yourself.
All to save a few hundred rands a month. Looking at it that way, it sounds insane, doesn’t it? Let’s have a closer look at the different options you have with car insurance.
Ways to find car Insurance online – Third Party Only
If you can’t afford much, this is better than nothing. A Third Party plan will cover you if you cause the accident. The company will pay the cost of repairing the car that you ran into. You still need to find the money to repair or replace your car, but this takes some of the burden off of you.
Third Party Fire and Theft
This goes one step further than Third Party insurance in that it covers your car in the event that it is damaged by fire or if it is stolen. If you are involved in an accident, you will still have to pay for your own repairs.
This is the most expensive option but it also gives you the highest level of cover. In addition to covering the third party and your car if stolen or destroyed by fire, you will also be covered if you have an accident.
This is the best package to have, especially if you are still repaying the car. Not having comprehensive insurance can give the finance company grounds to call in your loan.
You need to weigh up your options and decide what level of cover you need. At the end of the day, the best idea is to strike a happy medium between protecting your car and protecting your budget.
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