When shopping for car insurance, the quotes should be assessed beyond just price. You also need to consider policy periods, cost sharing, coverage limits and discounts.

Here are a few car insurance quotes tips to keep in mind:

Don’t take the first quote you’re offered.

You should take your time to compare the various insurance offers available. This way you may find ways of saving some money. You have unique needs, so try to find an insurance quote that will meet your personal needs.

Set up an organised way of keeping track of your comparisons.

A spreadsheet is a good way of doing this.

There are specific criteria you can use to compare car insurance quotes, such as:

The type of coverage– South Africa has three main insurance types, including Comprehensive, Third Party, Theft and Fire as well as Third Party Only.

What you can afford– The amount that you can afford is usually a major determining factor in the decision to accept a specific type of quote.

The amount of excess that you are willing to pay can have a big impact on your premiums. If you choose to pay more in excess, you may end up paying lower premiums.

You should make sure that you compare the different types of coverage, services and limits. Not all insurance types are the same. You need to check for certain exclusions in the different quotes. Read the fine print to make sure that you completely understand the type of cover you are getting.

You need to compare all the costs of the policy.

You need to compare immediate and future discounts. Some insurance providers offer certain discounts on certain types of policies. Ask as many questions as you need to in order to benefit as much as possible.

You need to compare insurance companies. The golden rule when it comes to insurance is that you need to compare as many quotes as possible. There is no pressure, so take all the time you need.