Insuring your car might not be a choice anymore. Your car is an expensive investment, and the good thing about car insurance is affordable pricing. You don’t have to spend a fortune to get the benefits. Websites like Insuracar.co.za help customers select between different insurance providers, and you can compare as many providers and quotes as you want. In this post, we will talk of a few basic aspects that one must know before signing up for car insurance.

Types of car insurance

Depending on the region you live in, you can find different types of car insurance. The most fundamental one is third party insurance that covers the cost of damages caused to the other party or their vehicle, but doesn’t include damage to your car. Comprehensive insurance, on the other hand, covers all sorts of things, including vehicle damage and varied causes, such as theft, fire, accident and more. It goes without saying that comprehensive car insurance is expensive, but it is worth paying.

To sum it up, car insurance will cover (depending on the type of insurance) things like: Damage to the third party, damage to the insured vehicle, property damage caused by insured driver, fire & theft cover, cost of renting when your vehicle is damaged, and cost of towing insured vehicle from the spot of mishap to the garage. Some car insurance providers also offer additional add-ons like windshield cover for an extra charge.

What influences the insurance premiums?

Besides the type of car insurance plan, several other factors have an influence on the premium. Your age and profession are two aspects that are beyond your control but will influence your insurance costs. Some insurance companies also consider the gender and marital status of a person before deciding the quote, while other things like driving record also matter. It is easy to understand that insuring expensive cars costs a lot more, such as a sports car. Insurance companies want to know more on the driver, so in selected cases, credit check is also done.

Comparing your options

There are so many insurance providers for car insurance that car owners are practically spoilt for choices. For example, you can read more about Hollard car insurance online and compare it with other providers. Customers, however, need to be more cautious about the terms and conditions of vehicle insurance before they finally sign up. You also need to know the exclusions in detail and the current value of the car. If you don’t alarm and tracking systems installed in your car, consider that option because that can lower the insurance premiums. Most car insurance companies also want to know where the vehicle will be placed when not in use, and if that’s not safe parking, the cost of insurance will increase.

Check all these aspects and take a call on car insurance. The quotes are usually offered for free and without any obligation, which is a huge advantage. Online comparison sites only make things easier, in case you don’t want to get bothered by calling too many companies.