Car insurance quotes online

Why shopping around for online car insurance quotes makes sense.

Shopping around online for car insurance quotes is arguably the easiest way of ensuring that you get the most car insurance cover for the lowest car insurance premiums. This article contains information and advice on car insurance quote hunting: know what to look out for, which questions to ask and what the pitfalls are!

Car insurance quotes are free

Comparing car insurance quotes online won’t cost you a cent, beyond the cost of your Internet access. There is no obligation to accept the quoted amount, so you can feel free to shop online to heart’s content online. Complete as many car insurance quote forms online as you please, and see which car or household insurer comes back with the most affordable car insurance quotes.

Be sure to fill in all the relevant details as accurately as possible!

Once you’ve submitted a simple insurance quote form online during office hours, you should receive a rough emailed cost estimate within seconds. Seeing as these insurance quotes are calculated automatically, there exists a very good chance that further tailoring could bring down the actual car insurance quote substantially.

As such, you will receive a call from one of the company’s insurance consultants within minutes. He or she will then require some additional information in order to refine your insurance quote, and will issue you with both a verbal and emailed final quote.

Should you accept this and authorise the monthly debit order for premium payments, your cover will become effective – either immediately, or at a future date that you stipulate.

Going directly to the insurance company pays

Car insurance tends to be more affordable online. A number of South African car and household insurance companies offer consumers the option of “going direct”, or cutting out the middleman, which means that the traditional car insurance broker is cut out of the revenue loop.

Effectively, this translates into substantial savings on car insurance premiums for the consumer. Today, car insurance companies are increasingly moving towards a “publisher marketing” model, whereby car insurance publisher sites such as My Car Cover supply them with new business leads.

Dial Direct Insurance, for example, offers you an immediate 5% premium discount when you sign up via the Internet – and your overall saving on insurance premiums could be as much as 25%! Dial Direct, another top South African car insurance company, has statistically calculated that 1 in 2 people who contact them for a car insurance quote will get a better deal – so go on, why not put these two insurers to the test today?

Getting insurance quotes online saves time & hassle

Getting your car insurance quotes online saves time and money. Not only does online shopping save you the hassle of having to venture out to get car insurance cover quotes, but they also save you the hassle of paperwork and standing in queues. Additionally, the car insurance companies will contact you – so your pre-paid airtime or free minutes aren’t depleted!

What competition does for your car insurance premiums

Living in a capitalist country such as South Africa has the unfortunate side effect of having made the ancient art of haggling largely redundant; or has it? Whilst we’d not recommend trying to talk your local grocery store into selling you a litre of milk for less than the indicated price, the cost of car insurance is certainly becoming more negotiable.

Insurance underwriting, per definition, is a risk management exercise erring on the side of caution. As a driver, your age, gender, the type of vehicle you’re driving as well as where you park it overnight will inform the risk calculation upon which your vehicle insurance premium quote is based.

Yet if you would hypothetically be a “good” client – a safe driver, who statistically should not claim more than once every for years, for example, the concept of marketplace competition can undoubtedly work in your favour. If Car Insurance Company A is willing to offer you a monthly premium of R500, with an insurance excess of R2000 and a particular level of cover, it would make sense for Car Insurance Company B to offer you the same cover benefits at R450 per month – and they will, but first you need to ask them to beat the quote in hand!

Compare car insurance quotes to ensure that you get the better deal on your vehicle insurance - go on, give it a try today!

NB: Don’t be afraid to ask for a better rate if you believe the quote could be more competitive. The onus is on you to negotiate a better deal; not on the insurer.

Insurance: always compare apples with apples

Herein lies the rub: When shopping online for affordable car insurance quotes, always ensure that you’re comparing apples with apples. In car insurance terms, this means the following. Is Insurer A offering you the same type of car insurance is Insurer B? Be sure to check that both are quoting on comprehensive car insurance, or Third Party Fire and theft, as the case may be.

We recommend that you read the Types of Car Insurance section for more information in this regard; simply click on the relevant link in the left-hand navigation bar to learn more. Another key consideration is the excess amount associated with the issued quote. There’s no point in accepting a lower quote if you will need to pay a R10 000 excess in the event of the car being damaged or stolen. Budget carefully and request a realistic excess amount – one that you could afford to pay even during an unusually tight month, financially speaking.

Remember: A truly affordable car insurance policy is not necessarily the one with the lowest monthly premium, it is the one that offers you the best level of liability cover at the lowest price…

Get more than one insurance quote in the same place

My Car Cover offers you the option of requesting up to 3 car insurance quote from leading South African insurers – you could request multiple car insurance quotes in minutes, so get going right now, below!

Request a free Dial Directcar insurance quote now

My Car Cover is pleased to offer you several car insurance quotes from some of SA’s leading vehicle insurance companies, including Dial Direct, one of SA's top car insurance leaders.

Get started right now by requesting a free quote from Dial Direct, or click on the banners in the left-hand navigation to request insurance quotes from the other brands.