Even with a limited budget you can insure your car.
January 23, 2019
Even with a small budget, you can afford vehicle cover. Get low budget car insurance with these tips:
- Lower premiums by taking an advanced driving course
- Choose a higher excess
- Find the best value for money insurance
- Consider a pay-as-you-drive plan
- Shop around for the best price
A cost many people are not keen on paying is car insurance. However, the reality is that living in South Africa comes with its own set of problems.
In this country, the crime stats and the road accident stats count against us. When you add in the badly maintained roads, the high cost of fuel and repairs, then keeping your car on the road is not as easy as it used to be.
All of these factors make car insurance more expensive. They also make car insurance something that you must have. Fortunately, there are ways to reduce the amount that you must pay for insurance.
Get low Budget car Insurance by Lessening your Risk
When the insurance company works out your premium, they are working out how much risk there is of you having an accident. If you can minimise this risk, you can save on your monthly premiums.
Practice safe driving techniques, avoid being involved in accidents and don’t claim for every little thing. The longer you can stay claim-free, the less of a risk you become.
Increase your Excess
This may seem like odd advice but it can save you a lot of money. Again, this is about reducing the amount that the company pays out in claims. By doing this you take responsibility for the smaller claims that crop up. The only caution here is to choose an amount that you can afford.
Get low Budget car Insurance – Shop around For the Best deal
One of the biggest mistakes that you might be making as an existing policyholder is to not review your policy annually. For starters, that good driving record is going to start paying dividends. Secondly, in this competitive industry, better deals are launched every day.
It pays you to shop around once a year to make sure that you are getting the best deal possible. If you find a better deal, you do need to consider whether or not losing the no-claims bonus will be worth making the move.
Consider a Pay-As-You-Drive option
These policies work out less expensive because your mileage is taken into account when it comes to determining the premium that you pay. This sounds restrictive but, in all honesty, if you have a limited budget, how much unnecessary driving will you do anyway?
This is one way to avoid paying for cover that you aren’t using.
Choose the Best value for Money insurance
You need to choose insurance that has benefits that you find useful. There is no point in paying for benefits that you will never use so don’t be blinded by a list of unnecessary extras.
To get your car insurance quote just fill in the form on this page then click to submit the form so we can send you a personal quote.
All info was correct at time of publishing