| As a resident of South Africa you are not required to | | | | payment options so ask them about how you can |
| carry insurance on your vehicle, but should you have | | | | pay your insurance. |
| an accident where damage is done to your vehicle, | | | | Consider as a third factor your ability to get multi-line |
| another person’s vehicle, property or if there is | | | | insurance. Many South African insurance companies |
| medical injury, you will be personally liable for the | | | | offer their customers a discount if they have multiple |
| costs. Many people say that Car Insurance is a | | | | insurance policies with them. If you like the service |
| necessity that you cannot afford to be without so it | | | | your homeowner’s insurance company offers |
| is important that you take the time to choose a car | | | | you, ask them if they offer a multi-line policy that |
| insurance policy that is going to provide you with the | | | | could include your car insurance. You will get the |
| best coverage possible at the lowest premium. | | | | same great service that you are already enjoying |
| There are a number of factors you will need to take | | | | and possibly a discount on both premiums. |
| into account when choosing a good car insurance | | | | What kind of safety features does your car have? |
| policy. The first factor you should look at is your | | | | When you are trying to choose a good insurance |
| excess. The excess is how much money you will | | | | policy the company who is giving you a quote should |
| have to pay out of pocket to repair damages from | | | | take this into consideration. Enhanced safety |
| an accident before the car insurance company pays | | | | features such as dual airbags, anti-lock brakes, safety |
| the rest. If you opt for a higher excess, you will | | | | belts and more could allow you to pay a lower |
| have lower insurance premiums to pay. But this | | | | premium on your car insurance while keeping you |
| means that you will have a higher out of pocket | | | | from sacrificing a lower excess. |
| expense to deal with. Choose the excess that is | | | | Finally, if you already have a car insurance policy and |
| right for you. Regardless of whether or not the | | | | you are trying to find a better one, take the time to |
| accident is minor or major you still have to pay the | | | | review your old policy. There may be things on that |
| same amount. | | | | insurance policy that you have never used. You can |
| The next factor to consider is how you want to pay | | | | have the new policy quoted without these extras |
| your premium. You can make monthly installment | | | | saving you money and once again affording you the |
| payments on your car insurance which will easily fit | | | | luxury of going with a lower deductible without |
| into your budget or a single yearly payment. Keep | | | | paying a lot for your insurance. |
| in mind that monthly insurance premiums come with | | | | Keep in mind that there are specific things you must |
| additional administrative costs tacked onto them. | | | | carry on your car insurance in South Africa. Your |
| You could save yourself money by paying your car | | | | car insurance agent or broker will remind you these |
| insurance premium semi-annually or annually. Each | | | | minimum requirements when they provide you with a |
| car insurance provider is different when it comes to | | | | car insurance quote. |