Car Insurance: The best versus the cheapest

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Make sure you have sufficient car insurance

The best car insurance rates are not always the cheapest rates available.

Individual insurance needs vary and you have to decide exactly how much cover you need. This decision will rely on whether your car is new or old, financed or fully paid and also if the car is kept in a locked garage at night or parked on the pavement.

Generally, the best car insurance policies offer adequate, comprehensive cover at an affordable price.  Inexpensive car insurance options are available, but usually exclude cover for accidental damage to your car.

The different insurance companies offer a variety of free benefits and it would be wise to compare these benefits with the cost and cover of your basic car policy. These benefits usually include Roadside Assist, Medical Assist and so forth.

A relatively new car insurance trend set by most prominent insurance companies, is the Additional Option extras. The Insurance company offers a basic car insurance policy and the client then selects a variety of low-cost Additional Options with which to enhance the basic policy. This enables clients to tailor their car insurance package to their individual needs and circumstances.

In the end, you will know what type of car insurance is best for you. Keep these tips in mind and never forget to ask for discount!


How to get the best car insurance rates

Clean Driving Record

A clean driving record will result in lower car insurance premiums. In this regard, speeding tickets or traffic violations you were guilty of during the past five years will directly affect your car insurance premiums. The safer you drive, the less you will pay for car insurance.

Get a higher excess charge or deductible

The terms Excess and Deductible are often misunderstood. These terms represent the amount that you are willing to pay in case of accidental damage and repairs to your car. If you decide on an excess of X amount, the insurance company will not cover cost or repairs  less and up to that amount. If the cost amounts to more than X amount, the insurance company will pay the balance, while you pay X amount.

Do not make the common mistake by setting your Excess amount as low as possible. There is a catch. A lower Excess or Deductible results in higher premiums and vice versa.

Personal and car information

These variables are the primary factors that get evaluated upon the processing of your car insurance application. Be honest and do not try to get better rates by providing inaccurate or false information. False information may result in the insurance company cancelling your policy or even a costly legal process.

We trust that these guidelines were helpful and will aid you in saving money whilst getting the car insurance cover that suits your needs.