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How To Compare Car Insurance Quotes

Should you decide to buy a new car make sure you have all the facts about insurance on cars. You may get to the car retailer see and want the car and then be unable to drive it off the floor, as it is uninsured. Get all your ducks in a row beforehand. Have all the prices, excesses and exclusions on hand before buying. Compare car insurance quotes carefully so you can make an informed decision.

Young drivers under the age of 25 who drive fast cars many not be able to get cover from certain insurers. Younger, inexperienced drivers are considered to be a greater risk and the fast cars do not help the drivers cause.

New cars today generally come fitted with all the prescribed security features. Chat to your broker or agent to see if any other security measures will further reduce your premium. Not only will this give you peace of mind it will save you a lot of money in the long run by the savings on your premium each month.

The purpose and use of your car is important when you buy insurance. If you only drive your car to and from work, you will insure it for private use only. If you use your car to transport items and to visit with clients, you will insure it for business use.

Drivers of your vehicle other than yourself should be listed on the policy. If this is not done and there is an accident, the company will not pay out in the event of a claim. This is especially the case if you have a teenager that drives your car. For a couple of Rands per day the teenager can learn to drive by using your car if they are listed as a driver on the insurance policy.

Specify your mag wheels, tow bars, window tints, special interior trims and metallic paint. Any additional fittings need to be specified in your insurance policy. Be as specific as you can to ensure that you get the best out of your policy.

An added optional extra that you could take on your policy is roadside assistance. This will come as a small extra on your policy but will be very handy should you have a break down. Your car will be transported to a suitable repair center for your convenience. The other add on that you could consider is medical evacuation.

Lodging your claim within three months is one way to ensure you are paid out. Most insurers will repudiate your claim if you lodge late. Inquire directly from the company or check your policy document for these very important details.

Compare apples with apples and oranges with oranges when comparing the quotes. Excesses, admin fees, premiums and exclusions should be scrutinized to see you get like for like. Paying yearly or twice yearly will be more cost effective as monthly admin fees will be eradicated. Lower excesses mean a higher premium.

There is no way around getting a good deal. You will have to compare car insurance quotes in order to find a policy that best suits your needs. Premium, excesses and exclusions are all important factors to consider when buying insurance.
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This entry was posted on Tuesday, June 1st, 2010 and is filed under Auto Insurance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
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