Comparing car insurance quotes in South Africa can feel like trying to choose a boerewors roll at a braai – they all seem the same, but some just hit different! The trick is to compare wisely and make sure you’re getting the best deal. Here’s how to do it like a pro:
Look at car insurance benefits vs. price
We all love a lekker deal, but don’t just chase the cheapest premium. The lowest price often comes with minimal benefits and hefty excesses. Instead, compare what’s included. Some insurers throw in extras like roadside assistance and car hire, while others make you pay extra for it. King Price, for example, not only offers competitive pricing but also includes royal perks like unlimited roadside assist and the king’s cab service to get you (and your car) home safely after a big night out.
Watch out for those sneaky monthly increases
Your car loses value every day, so why should your insurance premium stay the same (or worse… Go up!)? Some insurers hike up your premium every year without warning. King Price flips the script by offering decreasing premiums – your car depreciates, and so does what you pay. It’s common sense, really.
Don’t fall for marketing gimmicks
Beware of ‘no-claim bonuses’ and other fancy-sounding deals. They might sound like a bargain, but you’re essentially paying extra upfront and just getting your own money back later (if you’re lucky). Rather go with an insurer that gives you the best deal from the start.
Check the fine print
That super cheap quote might not include things like hail damage, theft cover, or accident assist. Read the policy details carefully. If it sounds too good to be true, it probably is.
FAQs
- What is the best way to compare car insurance quotes? Look at both price and benefits, check for hidden fees, and ensure you’re comparing similar cover levels.
- Why do some insurers offer ‘no-claim bonuses’? It’s a marketing gimmick where you pay extra upfront and get a portion back later.
- How often do car insurance premiums increase? Most insurers increase car insurance premiums annually, but King Price decreases them monthly.
- Is the cheapest insurance always the best? Not always. Cheap cover often comes with high excesses or limited benefits.
- How can I save on car insurance in SA? Choose an insurer with decreasing premiums, opt for a higher excess, and bundle your policies.
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