Affordable car insurance - avoid the cheap 'n nasties!

Cheap car insurance, as with most other cheap deals, is to be approached with caution. Rather get an affordable car insurance quote from Dial Direct below; avoid under-insuring with cheap car insurance, but still save up to 25% on your monthly premiums!

Car insurance is the one type of insurance you simply cannot afford to take chances with; it is critical that you get the right level of insurance cover - making "affordable car insurance" from Dial Direct a far better call than "cheap car insurance".

The right level of car insurance cover

Getting the right level of cover from your car insurance policy is critical to ensuring your continued financial wellbeing. The third-party component of your car insurance policy will cover you against damages caused to other vehicles or properties, whether you caused the accident or not, and is the bare minimum the responsible driver should opt for. The primary motivation for getting car insurance is to ensure that your car insurance policy will pay out in the event that your car - or someone else's vehicle - is damaged or written off in an accident.

And in a country like South Africa, where grand theft auto is a grand-scale problem, you'll also want to ensure that your policy will pay out - regardless of where or how your car gets stolen.

Yet grasping the concept of "sufficient insurance cover" only starts with these basics; vehicle usage is another key concept. Car insurers distinguish between personal (private) vehicle use and business usage. Travelling sales reps or client service executives, for example, may regularly use their personal vehicles for business purposes; to attend meetings, visit prospectives or to service existing clients.

A professional copywriter in the full-time employ of an advertising agency, on the other hand, will generally only use his or her car to get to and from their workplace. The above-mentioned professionals, however, need to insure their cars for private and business usage, which will increase their monthly insurance premiums substantially. The average office worker, on the other hand, will generally only need vehicle insurance for private usage purposes.

Under-insured: pennywise but pound stupid

Cutting corners by only signing up for private usage car insurance when you actually also require additional business usage cover is extremely short-sighted. Should you be involved in an accident during office hours, your car insurer may well refuse to pay out on grounds that you weren't sufficiently covered. Should it surface that you knowingly misinformed your car insurance company about the nature of your vehicle usage, the underwriter would also be well within their rights to terminate you as a client.

Discover more about why cheap car insurance is not always all it's cracked up to be... and why you should rather get appropriate insurance cover, even if it's not quite dirt cheap. Affordable car insurance with appropriate levels of cover are definitely the way to go! .

Car insurance: honesty is the best policy

When signing up for a new car insurance policy, you will be asked whether another car insurer has ever cancelled your policy or refused to insure you, which will almost certainly lead to your application being turned down.

Affordable car insurance: compare apples with apples

Affordable car insurance is not so much about paying a low monthly premium as it is getting a good deal on the right level of cover. If you're shopping around for car insurance policies, always ensure that you're comparing apples with apples when it comes to the policy's limitations.

Opting for "cheap" car insurance may well mean that you're not sufficiently covered, so don't be blinded by promises of low monthly policy premiums.

What is an affordable car insurance excess amount?

The answer to this question will differ from one person to the next, yet will invariable require a calculator and a list of your fixed monthly expenses. If your monthly budget will be wrecked by an unforeseen expense of R2000 to R3000, it would be foolish to set your car insurance excess amount that high - car accidents to have a tendency of happening! Bear in mind that the costs of fixing even a minor fender-bender can run into thousands of rands; although a lower excess may increase your monthly premium payments, it won't hurt nearly as much as unexpectedly having to pay a R5000 excess amount! Never opt to cut corners on insurance in order to buy a slightly more expensive car; rather buy a slightly cheaper car, but ensure that its adequately insured!

Choosing the right South African car insurance company

Be sure consult people you trust about their car insurance company's service levels and affordability. Are they happy with their present insurer? How readily does this company settle insurance claims, and how often do they increase their premiums? Bear in mind that any delays in policy payouts tend to result in unforeseen out-of-pocket expenses; you want to be certain that your insurance company will be able to settle your claims swiftly and without any tedious administrative processes! Once you've considered all these points, you'll be making a far more informed decision when it comes to choosing a car insurance company, and applying for the right level of car insurance cover.

As one of the top car insurance companies in South Africa, Dial Direct's reputation is based on reliability, efficient service and hassle-free payouts. Request a free car insurance e-quote now to qualify for a tidy 5% discount on your monthly policy premiums! Simply submit our online car insurance form to get started; an expert car insurance cover consultant will contact you right away to tailor an affordable car insurance policy to suit your needs - at a rate that won't break your budget!

Start experiencing affordable car insurance with My Car Cover - simply request a few quotes to see how much you could be saving on your insurance premiums today.