Tips for getting the cheapest car insurance in South Africa

• Be mindful about how many kilometres you drive annually. Try reducing how far you drive if possible. You may save on fuel, vehicle wear and tear and your car insurance. 
• The less you drive, the less potential risk is involved when insuring your car, which could result in cheaper car insurance. 
• Remember to give an accurate estimate when it comes to your annual mileage to ensure that your future claims are not rejected.

• Adding a tracker may reduce your car insurance premium. The cost of the tracker may be less than your discount, so there is a net benefit for adding the tracking device.
• Do you drive an older car that has limited security features? Perhaps upgrade them, and you could save money on your car insurance.

• This could be an option if you can afford a relatively high excess should you need to claim in the future.
• The higher the excess, the cheaper your monthly car insurance premium could potentially be.

• Reassess what type of car insurance suits your life best at the moment. Perhaps you need to stick with the cover you have, or you could choose a more affordable type of cover. 
• Comprehensive and third-party car insurance are popular options, both with distinct benefits.

• The risk of vehicle theft is a reality in South Africa. Improving security at your home could reduce your car insurance premiums.
• Park your car in the safest possible area when you are at work, which could help you get cheaper car insurance as well.

• Modifying and enhancing your vehicle’s appearance and increasing its performance should be avoided. 
• Modified cars may look great in the movies, but they could increase your car insurance premiums or even get your future claims rejected.
• Modified cars may be more sort after by criminals, and they may cost more to fix. All of which could increase your car insurance premiums.
• Some insurers don’t insure modified cars because they could pose a substantially higher risk.

• Always be honest when your car insurance company asks for your personal information or your future claims could be rejected.
• For example, you could describe your vehicle usage as for ‘social purposes only’ if you don’t commute to work with your car. Stating that you drive less may result in cheaper car insurance but only if it is true.

• This may seem obvious, but we may get too busy to reassess our car insurance by getting additional quotes from other reputable car insurance companies periodically.
• Remember to compare the same type of car insurance quotes from several insurers when you look for the cheapest car insurance in South Africa.
• Always read the fine print and make the final choice to get a better deal with your existing insurer or move to another car insurance company.

As you can see, there are many ways for you to get the cheapest car insurance in South Africa, which is ideally suited to your unique requirements. Are you looking to buy affordable car insurance? Why not consider getting affordable car insurance with PMD, which comes with unique benefits such as premiums that don’t increase* and a reduce to zero excess*. T’s and C’s apply.