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Car and Motor Insurance
by Dale Maxwell
Whether you're buying clothing or shopping for car insurance,
you always want to get the best value for your money. So, what's
the secret to finding reliable, affordable car insurance?
Shop around for the best deal. Get several car insurance quotes
from different insurance companies before you buy or renew your
policy. Insurance companies vary, so you could get a better deal
somewhere else.
Don't be afraid to switch. You can switch insurance companies
whenever you want, even if it's in the middle of your car
insurance policy term. If you find a better rate, switch and
save.
There are three types of Car Insurance:
Third party, which covers your legal liability if you damage
someone else's physical property (walls, vehicles, gates etc.)
due to a driving accident.
Third party, Fire and Theft offers third party cover and adds on
two useful pieces of cover - fire damage to and theft of your
car, including damage caused by a theft or attempted theft.
A fully comprehensive policy includes Third Party, Fire and
Theft and in addition will pay for damage to your own vehicle in
the event of an accident. There are many extras, too, for
example it will also give you cover when you drive other
people's cars - useful if you borrow someone's car and their
insurance does not cover you.
The following factors affect what you pay for your premiums.
Your age, your job, your driving record. The car you drive. The
higher the value of the vehicle, the higher the premium. High
performance vehicles are also more expensive to insure than
their stock standard equivalents. Then there's the location of
the car. You'll pay more if you keep the car in a high-crime
area or park it on the street at night. What you use the car
for. You'll pay more if, for example, you plan to use the car
for business delivery purposes. Then there is the excess
structure that you choose. The higher the excess the lower the
premiums. Gear Locks, Satellite Tracking - will help reduce your
premiums If you are buying a new car ? Don't forget to shop
around for Insurance!
For a first-time car buyer, the process can be a difficult
decision. Many buyers are not aware of the fact that they need
to have insurance before driving their new car off the showroom
floor. The financial institutions providing the finance for the
purchase will insist on this, in order to ensure that their new
asset is protected.
Don't just accept the first offer that is given to you, get at
least 3 quotes before making your decision. "Many banks or
finance institutions are affiliated to an insurance company or
brokerage firm. New buyers therefore may find themselves feeling
pressurized to take insurance cover through the bank's preferred
supplier. It is important to know that this cannot be enforced
and the decision lies with the client. This makes it essential
to shop around for competitive quotes, to ensure that you are
offered the best deal - from the perspective of both cover and
price. For young drivers, this becomes imperative, as they are
often penalized for their age and lack of driving experience,
translating into higher premiums and excesses."
Cash buyers are not exempt from the need to insure their new
car. Thefts and hijackings are still a reality and the growing
number of cars on the road puts all drivers at increased risk of
being involved in an accident. Choosing an insurance product
that is suitable in terms of budget, value adds, cover and
excess payable is a careful decision that, with the right
advice, can be made sensibly and safely.
Many young, first-time buyers find that purchasing insurance
through a direct insurer is actually a simple process.
They are likely to receive a tailored insurance solution
catering for their specific needs - with direct insurance,
clients don't pay any additional charges for getting what they
want. Any driver about to embark on purchasing a new vehicle
would do well to consider the time-and cost-saving benefits of
direct insurance."
About the author:
Written By Dale Maxwell http://www.insurance-south-africa.co.za
http://www.dialdirect-quote.co.za
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