Car Insurance Made Easy: 6 Ways To Make Sure You Get The Best Insurance Deal
Find out how to get the best vehicle insurance deal with these simple hacks.
If you are shopping around for car insurance, then you have already taken the right step to saving yourself from the surprise costs of accidents.
Because, as we all know, accidents do happen. The moment we get behind the wheel, we are taking a risk, which is why it helps to be covered for the things you can’t see coming.
To make sure you get the best bang for your buck and put the brakes on under-insuring or over-insuring yourself with this list of effective hacks.
Before we get into it, let’s first start with what the different types of vehicle insurance are.
Different types of car insurance
This is the most affordable car insurance, but with the lowest level of coverage.
This kind of insurance covers the damage costs to anyone else involved in an accident with your car. But the thing is, any damage done to your own car will have to come out of your own pocket.
2. Third-party, fire and theft
This insurance is the next level up from third-party. It will help cover the costs of damage caused by you to another person’s car or property and also cover the costs from fire damage, hijacking or theft of your own car.
This cover does not include costs of damage to your own car.
3. Comprehensive car insurance
This is the best kind of car insurance you can get.
Comprehensive vehicle insurance covers the damage costs to your car and any damage a third party may suffer from.
How to get the best deal
1. Make sure you do your research
Spend some time researching different car insurers out there.
Make sure you do a detailed and well-researched car insurance comparison.
Read the fine print of your contract and know exactly what you are covered for, what your excess is (the amount you pay in when you claim), and what you are not covered for.
If you do not understand anything, ask your insurer to clear it up for you. Don’t be afraid to ask about anything you aren’t sure about.
2. Don’t base your decision on price alone
You might get a really cheap car insurance quote and think you are covered for events that matter to you, but this may mean you have a very high excess.
When you have a high excess, this means you have to pay a lot of money when it comes time to claim. But a high excess makes for a cheaper monthly premium.
Make sure you can afford the excess included in your contract. It may not seem like a lot of money now, but if you had to pay that amount tomorrow, would you be okay with that?
Find out if other people can drive your car and find out how to claim and how easy this process is.
Do some digging into online reviews and see what the insurer’s customer care is like.
3. Make sure you give all your details correctly
There are a number of factors an insurer takes into consideration before they send you a final quote.
Security is a big factor.
Where you live and where you park your car at night and during the day (a locked garage works in your favour) aid in determining the price you pay every month. Basically, the better your security the lower your premium will be.
The distance you drive is also another factor. The more you drive, the higher you have to pay for a monthly premium.
If you have any extra security features such as a tracking device or home security features, make sure you let your insurer know.
Remember to always tell the truth. Do not lie to your insurer because this can lead to claim rejection in the event of an accident.
4. Regularly update your details with your insurer
Make sure you keep your insurer updated with any changes to your address, security features, the kilometres you travel a week and any modifications you make to your car.
Perhaps you no longer drive to work every day and now work from home, you might end up paying less as you are now driving less. The less time you spend on the road, the lower your risk profile.
Perhaps you have moved to a safer area? Let your insurer know about this.
If your car is insured for its retail value, then this amount should change every year as the value of your car depreciates.
Where to from here?
Shop around and put together a list of insurers and quotes that suit your budget and the cover you are looking for.
With Oneplan (that’s us), our cover is ALWAYS comprehensive and the best part is that it is also affordable.
How we do this is using a sliding scale. This means that you get to choose how much cover you want, based on a percentage.
Giving you TOTAL control of how much you pay every month and the amount of cover you get. It’s insurance you can change when life changes.
Yours in uncomplicated car insurance,