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Get the right level of car insurance cover

To get the right level of car insurance to suit your needs, it helps to know not only what different types of car insurance are available but also how risk assessment is calculated differently from one insurance company to the next.

Types of car insurance

When looking for the right level of car insurance it’s important to appreciate what type of car insurance policies are available to you. Comprehensive cover provides the widest benefit as it covers all your bases. You are covered for a whole spectrum of risks, from your car being stolen to accidental damage and damage and injuries sustained by others in an accident.

Third-party fire and theft car insurance can be an affordable way to cover your vehicle against damage or loss caused by fire and criminal acts. In the event that you are responsible for damages and injuries sustained by another person or their property, third party insurance will cover the costs.

Although third party car insurance won’t compensate motorists for the damage to their own vehicles, it is a cost-effective way to get cover against potentially expensive liability costs. Third party car insurance may be appropriate for motorists with older vehicles that have been fully paid off.

Premiums are calculated differently

Insurance companies look at a range of factors when calculating the cost of vehicle insurance. These factors generally include the age and sex of the driver, among other considerations. The vehicle’s age, make and security features can also affect car insurance premiums.

Brand new sports cars also tend to add to the cost of motor insurance premiums, since these vehicles are perceived as inherently more risky due to their enhanced speed and power. Yet, in many cases these kinds of cars require the greatest level of cover.

These factors are calculated as part of your risk assessment, and will affect the cost of your car insurance premiums. Some of these factors are beyond your control, but, by comparing the different insurance options available, it is often possible to get the level of car insurance you require at an affordable price.

The important thing to bear in mind is that different insurance companies place varying levels of importance on each of these factors. Consequently, it may turn out that you can find competitive car insurance without having to compromise on the level of motor insurance you receive, simply by switching to a cheaper policy.

Compare car insurance quotes with a broker

The best insurance brokers will provide a variety of products from a number of top insurers. An expert broker can advise you on the best options to suit your individual needs, and will help you get the right level of car insurance at the best price.

The ability to quickly and efficiently compare car insurance quotes online is a tremendous advantage which can help to find cheaper vehicle insurance premiums at.

About the Author

African Independent Brokers provide cheap car insurance in South Africa. African Independent Brokers enable you to find instant car insurance quotes online, allowing you to switch vehicle insurance and save.

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