As a car owner in South Africa you have access to car insurances in three solutions. If you are looking for all-inclusive cover you will need to get Comprehensive Cover, while Third Party, Theft and Fire offers similar but slightly expensive cover. Third Party Only cover is the least expensive type of cover.

There are ways that you can get the best results out of car insurances. It starts with you knowing which type of insurance cover will be best suited for your needs. While price is an important factor to consider, it’s not the main thing that should inform your decision when it comes to getting car insurance.

Improve your credit score

Yes, your credit rating does matter. While how much you pay for car insurance is dependent on a number of factors, such as your age, what car you drive and your marital status and your credit score can either work for you or against you.

The higher your credit score, the higher the chances that you will be considered to be a low-risk individual, so this may get you a better car insurance deal.

Choose a low-risk car

Going cheaper and smaller in this case can be the best thing for you. By getting a car that costs very little to repair will get you a lower car insurance premium. If your car is low-risk and isn’t likely to get stolen, this will work in your favour. Keep in mind that sports cars cost more to insure than sedans.

Safety Devices are important

Having airbags an alarm system and a good braking system will work in your favour.

Choose a favourable payment plan

By choosing to pay quarterly or annually instead of monthly can be quite advantageous. Some insurance companies offer discounts based on your payment plan.