Getting insurance helps by keeping finances safe and sound in the event of death, accident or damage. Keep in mind that there is no one-size-fits-all insurance package.  You need to make sure you have the right insurance coverage for your needs, to avoid overpaying.

Factors to consider when shopping for auto quotes:

Make sure that you put your family’s safety before anything else. You need to get the right amount of cover for your unique needs.

Don’t trust other drivers and don’t take for granted that they will have as good of coverage as you do.

Never neglect the worst-case scenario when selecting insurance. Even though comprehensive cover can be quite costly, it may provide you with the cover you need for just about any eventuality.

If the deductible goes up, the premium goes down and vice versa. You should only opt to increase your excess amount if you can afford to.

Choose a good insurance company if you want to maximise that chance that your claims will be paid. Make sure that you choose only a reputable company.

Your credit score affects your premiums. The higher it is, the lower your premiums may be.

Auto quotes should be clear and transparent.

Good qualities for auto quotes:

  • Reliable and reasonable
  • Do your homework and be a smart buyer
  • Compare quotes
  • Get familiar with terminology
  • Keep in mind that where you live makes a difference
  • The car you drive may translate into a pricier average
  • Finding a balance between good coverage and affordable coverage is important
  • You should look for discounts. Many car insurance providers offer discounts for drivers with a clean driving record or those with enhanced safety and security features. You can make significant savings by bundling your car and home insurance policies.

Different types of car insurance:

  • Comprehensive cover
  • Third Party, Fire and Theft cover
  • Third Party only cover