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Premiums quoted are risk profile dependent and are valid for 24 hours only. Accepted premiums are fixed for 24 months provided you remain claim free. A reducing excess is available on the Comprehensive and Customised cover options only. Growing accident damage cover applies to the Third-Party PLUS and Customised cover options only. T&Cs, excess charges, exclusions and limitations apply to all products.
Discover why South African motorists choose us
Prime, previously called Prime
Meridian Direct, is top-rated on
Hellopeter
Most extensive car insurance with all available benefits and more
From only R409pm*
Budget-friendly basics with Growing Cover to protect your car
From only R321pm*
Budget-friendly basics with Growing Cover to protect your car
From only R167pm*
Unique car insurance benefits only available from Prime
24-Month Fixed Premium Guarantee
Prime’s premiums are affordable and only increase every 24 months!*
Reducing
Excess
Your basic excess reduces every month you don’t claim.*
Free Accidental Death Cover
Get R10,000 paid to your family if you die unexpectedly in a car accident.
Growing Accident Cover
Passenger
Protect Cover
Unique benefits only available from Prime:
Fixed Premiums
Reducing Excess
Accidental Death Benefit
Growing Cover Benefit
Passenger Protect
How to buy cheap car insurance in South Africa
Before looking for the lowest car insurance premiums and buying any cheap car insurance, you first need to understand the different types of products available. This way, you can decide which product will suit your needs the best.
- Compare quotes: Use online comparison sites to get quotes from multiple insurers. This help you see various car insurance options and compare them to find the right car insurance option for you.
- Increase Your excess: Opting for a higher excess (the amount you pay out of pocket when you make a claim) can lower your premium, depending on your car insurance provider.
- Maintain a Good Driving Record: Some insurers offer rewards or discounts for good driving records with no or minimal infractions. However this may be insurer dependent.
- Discounts: Many insurers offer discounts for bundling policies (like home and car insurance), or for being a member of specific organisation. Referrals for other drivers and having multiple cars insured with the same insurer may also confer discounts.
- Choose the right vehicle: The type of car you drive affects your insurance premium. Generally, more expensive or high-performance cars come with higher premiums. Consider a vehicle with a good safety rating and lower theft risk.
- Limit Coverage Options: Review the optional add-ons and coverages. Only choose those that are essential for your situation to keep costs down.
- Consider third-party insurance: If you’re looking for the cheapest option and do not have a financed car, third-party liability insurance is less expensive than comprehensive coverage. However, it often won’t cover your own vehicle. Prime’s unique Third-party PLUS car insurance offers the benefits of third-party car insurance along with a unique growing cover benefit, designed to protect your own car.
Which car insurance companies should I choose?
Research and select well-established car insurance companies of good repute before obtaining quotes online. Check customer feedback on car insurance companies using review websites like Hello Peter, which provides customer reviews and ratings for various businesses, especially in the service industry. Users can share their experiences, leave feedback, and rate businesses on different aspects, such as service quality, trust, and overall satisfaction. The platform aims to help consumers make informed decisions based on the experiences of others.
Make sure you present the same information and requirements to each car insurer when getting cheap car insurance quotes. In this way, you can compare apples with apples. Compare the same policies with each other such as comprehensive car insurance with comprehensive car insurance.
Understanding your cover
It’s essential to ask the insurer to get explanations to anything about your policy you don’t understand. In addition, Your policy may also have exclusions, where you will have no cover, that is important to understand.
There also are other factors that influence your car insurance costs:
- Premium: The cost of your insurance is influenced by factors such as age, driving record, vehicle type, and location.
- Excess: This is the amount you pay out of pocket when making a claim; higher excess often results in lower premiums.
- Coverage Limits: The maximum amount the insurer will pay for claims; ensure the car insurance and coverage you have selected meets your needs.
- Location: Urban areas may have higher premiums due to increased theft and accident rates however this is location and area dependent.
Prime’s Cheaper Third party PLUS Car Insurance
Generally, third-party car insurance does not cover your car if you have an accident. But Prime’s Third-party car insurance does.
A highlight of this policy is that it has a growing cover.
This reduces loss or repair costs due to smaller accidents and can grow up to the car’s full trade value. Third-party liability cover is another benefit, with liability protection growing up to R500,000 per incident. The last benefit is hail damage cover of up to R10,000.
Disclaimer
This article’s purpose is to explain cheap car insurance in greater detail, as well as provide some information to consider when looking to purchase cheap car insurance.
Learn more about our affordable car insurance products while we present you with our world-class client service. Available are comprehensive and customised car insurance with fixed premiums* and reducing excess*. You can purchase comprehensive or customised car insurance for cars not over 15 years old, but age is not an issue with our third-party PLUS car insurance. T&Cs apply. You need to consult a certified financial advisor for professional advice before buying a financial services product.
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