"Cheap" car insurance?

Is cheap car insurance really what you need? Beware: Cheaper monthly car insurance premiums may well mean insufficient levels of car insurance cover, so always make sure you're getting the right level of cover - compare apples with apples when it comes to car insurance quotes, and read the below article to establish whether cheap car insurance really is the thing for you...

Cheap car insurance - cheap and nasty

As with most other things in life, going the cheapest route when getting car insurance can often be a case of being pennywise and pound foolish.

When making a decisions as to which South African car insurance company you should use, ask yourself this: If you were getting medical aid, would you really want to risk the chance of going with the cheapest company if it means that they could be bankrupt in 6 months' time, leaving you without medical cover just as you need to have an appendix removed?

Similarly, signing up with the cheapest car insurance company could mean running the risk of your insurer going under - and not settling your claim!

Realistically, however, this is not as likely as the following scenario: Unscrupulous car insurers may try and prove that you were reckless or irresponsible in order not to settle your insurance claim. The last thing you'd wish to deal with is having to prove your "innocence" when dealing with the aftermath of a serious car accident; rather choose an insurance company known for their sterling customer service, fair and prompt claims settlement and a reputation for affordability.

Shopping for cheaper vehicle insurance?

Always compare apples with apples!

When shopping around for cheaper vehicle insurance, establish the following:

What type of car insurance do I need?

Are you using your vehicle for private use only, or are you using it for business purposes? Should you get comprehensive car insurance, or will Third-party Fire and Theft Insurance be sufficient?

Getting the correct type and level of car insurance is key.

What car insurance excess can I afford?

Don't let anyone talk you setting your car insurance excess payment (the amount that's for your bill before the insurers starts paying) if you cannot actually afford it. Make no mistake, setting it R1000 higher may save you a couple of rands per month, but it certainly will damage your budget for months to come should you be involved in an accident.

When calculating the excess amount, affordability should be your primary consideration

Rather do your budgeting, decide on a realistic amount and allow for your other living expenses to increase, and then rather buy a slightly cheaper vehicle.

Car insurance is not the area you want to be skimping in order to afford a bigger vehicle!

 

What car insurance excess amount am I being quoted on?

Is Insurance Company A and Insurance Company B both using the same excess amount in calculating your car insurance quote? Always make sure that you're comparing apples with apples - those little added extras such as a cheap car rental benefit may well come in very handy, so consider the "worst case scenario" - your French car may get damaged badly and stand in a workshop for 5 weeks awaiting new parts - how will you get to work if this should happen?

In addition to boasting the correct levels of cover and super affordable car insurance premiums, South African car insurers such as Dial Direct and Dial Direct offer innovative additions to their car insurance policies- investigate these and take the whole picture into account. Also read the following article to see how you too could obtain cheap car insurance in SA.

Get cheaper car insurance today with Dial Direct

With Dial Direct Insurance, you could be saving up to 25% on your monthly premiums, without compromising your level of insurance cover! Simply complete the below insurance quote form; one of dial Direct's car insurance consultants will call you to tailor-make a car insurance policy to suit your needs - and budget!

You too can experience truly affordable car insurance - simply complete these quote forms to receive instant and affordable insurance quotes now.