How much excess are you prepared to pay?

The higher the excess, the lower the premium. You need to decide the maximum amount of excess you can afford to pay out should you have an accident.2

Does the quote include car hire and 24/7 roadside assistance?

Having car hire and 24/7 roadside assistance are just two examples that could be part of your cover specifications. The quote may be low, but can you afford to be without car hire, when your job totally relies on you having a car? Can you afford not to have 24/7 roadside assistance in this day and age in South Africa? ‘Yes, but I have a few friends who can tow me’, you may say. When it comes to crunch time, will they be available? The above shows how you can draw up the specifications you want to have. After that, you can start getting quotes from various companies.

It’s what is it says in the policy that counts

Many motorists just go for the lowest premium the insurer is offering. But isn’t that a bit risky? You may be paying R500 a month less on a premium, but what happens when it comes to claim time? You may discover to your horror that some items you thought were covered were actually not. By all means select a company that is offering low premiums, but closely examine their policy, to see if it covers all that you want covered. 3 Perhaps, some cover has slipped in which you don’t want, but would be paying for.

Ask the insurer to assist you in reducing your premium

You’ve found a reputable insurance company whose quote is a little outside your budget. However, the quote covers all the items you want covered. Why not sit down with the insurer and work out the best scenario to fit your budget? Perhaps you can obtain a discount by transferring say a life policy from another insurer to this one.

What if you don’t understand the policy?

Many motorists live in the fast lane, and haven’t the time to read and understand a policy’s contents, especially when it comes to the small print.2 Thus, contact a consultant, who can explain anything you don’t understand.3 For example, a policy may have a restriction of not covering your car when driving on dirt roads. Knowing this would make you avoid driving on dirt roads as much as possible.

For the best car insurance quote try Prime

Now that you have an idea of how to find the best quotes, why not contact Prime for an affordable car insurance quote? If you are satisfied, you can purchase insurance, using Prime’s Online Insurance Purchase Platform, from the comfort of your home any time that is suitable for you. If you need help, a call-back facility is available.

Disclaimer

Because car insurance is complicated, this article must only be viewed as providing information. Please consult a certified, financial advisor who can give you professional advice on any insurance aspects. How to get the best car insurance deal 5 things to consider when choosing car insurance