In South Africa, the cheapest car insurance quotes will most likely be for Third Party Only Insurance. Before you shop for cheap car insurance, it’s important to make sure that you know what the policy covers and what it doesn’t.

Keep in mind that the cheapest car insurance offers will have a relatively low limit in terms of how much damage your policy will pay for. This means that this type of cover may not necessarily be the best for your needs.

There are ways that you can lower your car insurance costs however.

Here’s a basic guide to how to get the cheapest car insurance quotes:

Make sure you know what type of cover you need to be quoted on.

Remember that insurance companies base their decision on a number of factors, such as your age, sex, job, what car you drive and where you park your car overnight. You need to know what type of cover will suit your specific needs and your budget.

Consider adding a more experienced driver to your policy.

By adding a more experienced driver you can save money. Make sure that you get their permission before you do though.

Opt for paying upfront.

By paying an annual fee instead of a monthly premium, you can save a considerable amount. It costs extra when you pay monthly premiums.

Shop around for the best deals.

You can save hundreds of Rands by simply taking the time to compare different insurance quotes. Be careful to make sure that you compare like-for-like cover. You can visit the websites of insurance providers or you can use online comparison sites.

Take a higher excess.

By choosing to increase your voluntary excess you are guaranteed to get a cheaper car insurance quote.