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Average savings of over R3500 per year for drivers who get multiple quotes

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The Car Insurance Secret they don't want you to know...

Here’s a little tip and the reason you should compare car insurance quotes every few years.  Insurance companies in South Africa run what is called a book, and at any given moment, they are either paying out on a claim, or signing up new clients as people “switch to save”.  

Insurance companies are always balancing between paying claims and attracting new clients. Here’s the game – when claims go up, insurers scramble to compensate losses by hiking premiums. But when claims are down, they’re eager to secure low-risk clients at lower premiums.

So, what’s the trick for you? Regular comparison of car insurance quotes! Even if your current provider assures you of the best deal, there’s no guarantee.

Here’s your move: compare at least two different quotes, then go back to your insurer with the new ones. This way, you are guaranteed to always be paying the lowest you need to. 

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Average savings of over R3500 per year for drivers who get multiple quotes

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Even if you phone your current insurer and ask them to see if they can improve your current premium, they might insist that they are offering you the best deal.  The only way for you to be sure is to call at least two different insurers and compare car insurance quotes and then call your original insurer back with the updated quotes. You can get an idea of what you could be paying by comparing what others are paying for same car you are driving.

Your insurance premium might also be affected by debt issues. If you think you have a bad credit record or need debt counselling visit Zap Debt for a list of Debt Councillors near you. 

Apart from some obvious ways of reducing your car insurance premiums, such as insuring your car for Market Value instead of Trade Value – you could simply switch to one of the cheap car insurance companies in South Africa. Most car insurance companies will offer you an improved premium on the initial quoting phase and if you are lucky, they should only increase your premiums if you make a claim or once a year in-line with inflation.

If you have been unfortunate, and find that your premium has increased to an amount that you find unacceptable, then you might want to consider shopping around for cheap car insurance quotes from a few different insurers in South Africa. Obviously you are one of those pro active people who is making an effort to find cheaper alternatives – but for many, the process of having to find new quotes is unbearable. And car insurance companies know this and too often people pay far higher premiums than they should be paying.

You’ll have noticed the cost of your car insurance increasing every year. In most cases the increase is far higher than an inflationary increase and in some cases it is as high as 20%. When questioned about this increase, the insurance companies representatives explained that it was due to a weakened Rand and the repair and/or replacement costs for accident damaged vehicle is therefore higher as the cost of replacing crash damaged parts is high.

Thankfully we can provide at least a few of the cheap car insurance quotes to you by leaving your details in the form below.

There are three main types of car insurance in South Africa: comprehensive, third-party, fire and theft, and third-party only. Comprehensive provides the widest coverage, including for damages to your vehicle and third-party claims. Third-party, fire and theft cover your vehicle if it’s stolen or damaged by fire, and for any third-party claims. Third-party only covers claims made against you by other parties.

Not necessarily. A more expensive policy might offer more benefits, such as car hire in the event of repairs, but it might also just be pricier due to the insurer’s rating structure. Always read the policy details carefully to understand what is covered.

Average savings of over R3500 per year for drivers who get multiple quotes

Get Multiple Car Insurance Quotes Now