Heavily-congested roads and the high rate of vehicle theft have made car insurance a necessity for anyone driving a car these days. What is more, insurance companies have responded to the need for car insurance and this has resulted in a proliferation of different kinds of insurance packages on the market. Given the number of car insurance packages around, getting the best deal on car insurance can be a challenge.
There are, however, a number of ways to get the best deal on car insurance. First of all, determine your insurance needs and then shop around for quotes. The best way to do this kind of comparison shopping is to go online for car insurance quotes. You can get up to 6 quotes at one time from reputable insurers and save on your insurance at the same time. The turnaround time is faster online and you will save yourself the time and hassle of getting quotes from individual companies. Compare the online quotes you get and select the one with the best coverage to suit your needs.
It is customary for insurance companies to insure cars for replacement at market value which is all well and good except that a car is a depreciating asset and loses monetary value over time. Insurance companies often won't lower your premium accordingly unless you ask them to, so it is a good idea to readjust your car insurance package on a yearly basis to cater for vehicle depreciation. On the other hand, you can insure your car at retail value so as to keep pace with inflation but then you will have to pay more on your premium as a result.
Try to be a safe and careful driver and you may not have to claim for a number of years. Many insurance companies offer incentive schemes whereby you get cash back, or your premium reduced, if you have not claimed for a number of consecutive years. Accidents are unavoidable, particularly if it's not your fault, but if you are fortunate enough not to be involved in an accident for a few years, then getting a premium reduction or cash-back is a nice bonus, so be sure to check if the company you choose to insure with offers something like this. It may not be an upfront reduction but it can become one down the line. Not claiming unnecessarily for minor cosmetic damage is another way to up your no-claim bonus.
If you do not use your car much then you will probably want to avoid paying a lot on car insurance. Normal car insurance packages that cover business and personal use may not be the best type of car insurance for you. Many insurance providers now offer packages based on the average number of kilometers you drive in a month. Most likely you will have to pay a minimum premium but any costs over and above that will only be for a predetermined number of kilometers.
And finally, you can try combining your car insurance with your home insurance to get a better deal overall. It is often cheaper to insure with a single insurance company than to insure with a number of individual insurance providers. Underneath it all, the way to get the best deal on vehicle insurance is to be proactive and analyse your insurance needs before taking out any insurance so that whichever route you eventually take will be in your best interests.
Author Resource:
Andries Malan manages the website http://www.quantisure.co.za , a site that offers information about car insurance
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