How to Get the Cheapest Car Insurance Quote

How to Get the Cheapest Car Insurance Quote

With the gloomy economic outlook more South Africans are sinking under the pressure of high food and fuel costs as well as the rising cost of living in general. 

While there is a need for individuals to have car insurance, it can’t be denied that for many people it is considered to be unaffordable. Many people consider car insurance to be a luxury reserved for those who can afford it. The good news is that there are ways for consumers to get the cheapest car insurance quotes.

How can this be done?

Shop Around

If you want to get the best deal on your car insurance you need to take whatever time you need to shop around. This may involve searching online or getting help from a broker or approaching the insurance companies directly. You need to make sure that you get more than 3 quotes and never accept auto-renewal.

Ask for discounts

There are various discounts that you may qualify for. These discounts may be:

  • Age-based
  • Good driving discounts
  • No Claims discounts
  • Security discounts

Move to a lower crime area

If you live in a lower crime area you will be considered to be a low-risk individual. This means that the insurance company is likely to lower your premiums as a result.

Consider getting a low-risk vehicle

One of the main factors used to determine insurance costs by insurance companies is that of the type of car you drive. If you drive a high-powered, expensive car you will pay higher premiums. If your car is less expensive and is a low-risk car, it is less likely to attract hijackers. This translates into a cheaper insurance quote. A low-risk vehicle also means that the parts used to repair it are often not too expensive, so the insurance company will take this into account.

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