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| Car Insurance Reviewed |
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| Written by Tom Martens |
| Friday, 19 December 2008 09:27 |
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Car insurers are constantly designing products for South Africa's unique driving environments. All drivers, from the urban to the off-road, can find suitable insurance coverage to meet their specific needs. If you don't have insurance, take stock of your situation. Can you afford to repair or replace your car in the event of an accident? Can you afford to repair or replace someone else's car or property in the event of an accident that is your fault? What if your car is stolen, hijacked or vandalized? Owning and driving a car is risky business - that's why you need car insurance.Most South Africans should have Comprehensive Cover. In reality, 65 percent of auto owners in South Africa do not have any coverage. This is a shocking number especially in light of the rising rates of fatalities and injuries on South Africa's roads. Third Party Only covers you if you are responsible for damage to someone else's property in an auto accident. Other options include Third Party Fire and Theft Cover, which pays to replace or repair your vehicle as a result of fire, theft or attempted theft. South Africa is home to a large motorcycle community, so it follows that insurers offer products designed especially for these drivers. Motorcycle cover provides the peace of mind that your motorcycle will be covered if it is stolen or damaged or if you damage someone else's property in a motorcycle accident. Because the great outdoors is such a large part of South African living, several products have been developed for the risks associated with outdoor travel. For off-road enthusiasts, there is Off-Road Comprehensive cover designed to cover the risks in this unique and unpredictable driving environment. When you have not looked at insurance premiums before you may be surprised at how expensive they are. There are factors that determine the rates that you do not have control over and some that you do have control over. Younger drivers are considered a higher risk, and therefore pay higher premiums. If you have no driving history, or if your history includes accidents or dangerous driving habits, your premiums will be higher. But, as you age and build a better driving history, your premiums will reflect the lower risk.The first factor, one you can't really do anything about, is your age and driving record. Fortunately, the passage of time has a great effect on this factor. If you are purchasing a new vehicle, the vehicle you are purchasing will effect your car insurance and the premiums. If you buy or own a vehicle that is expensive you will find that insurance will be more, sometimes this is due to the simple risk of theft. There are numerous ways to save money on your insurance policy without having to cut corners. For instance, many insurance providers offer discounted rates to drivers who's vehicle safety features surpass the minimum requirements. Another great way to keep your premium low is to consider where your vehicle is parked over night. A vehicle that is parked in a garage is less of a liability than one parked on the street. Keep this in mind when seeking a rate quote. As you shop, remember that the cheapest insurance is not always the best. Make sure the policy you choose meets your needs at a price you can afford.Take the time to research the different types of insurance and how they apply to your situation. About the Author: Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica's leading car insurance portal. Kindly provided by LJ-Marketing.dk You are welcome to use this article on your own website, if you include the link just before this text. |
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