Shopping for car insurance can feel like navigating a really boring (but necessary) maze blindfolded. There are twists, turns, and more options than you can shake a stick at and the prize isn’t nearly as exciting as winning the lottery. That is, until something goes wrong and your car insurance policy steps in to handle all the repairs, replacements, and costs for you.
Then it feels like you’ve won the lottery, which is why it’s a task worth doing.
The great thing is that with just a little guidance, you can find the right car insurance deal that not only saves you some serious cash but also keeps you and your wheels well-protected.
Here’s how to spot a good deal on car insurance without losing your mind (or your wallet).
Know what you need
Before diving into a sea of car insurance quotes, take a moment to think about what you actually need. Is your car financed? Do you want or perhaps need comprehensive cover that protects against everything from accidents to theft? Or are you looking for basic third-party cover?
Understanding your needs will help you filter out policies that don’t fit the bill. Plus, it’ll save you from paying for extras you might never use, like a fancy paint protection plan for your old bakkie.
2. Compare quotes like a pro
Right out the gate, we’ll tell you NOT to settle for the first quote that pops up. Get out there and compare quotes from different insurers. You can even use comparison websites to make this process easier than ordering a bunny chow. Although, it can be difficult to know if all the options presented are from trustworthy providers. What you can also do, is make a list of 3 insurers that you believe are reputable and affordable and then compare the 3 quotes that you get to make sure that you’re getting the most bang for your buck.
3. Understand the fine print
All right, so the fine print isn’t quite the page-turner for everyone else as it is for us. But it’s crucial to understand your cover. In fact, it’s so important that we took the time to rewrite our own policy docs in plain English with loads of examples and pictures to make sure that you don’t fall asleep and will walk away with a better understanding of your cover with us.
Make sure that you pay attention to the details, including exclusions and limits, and really understand what’s covered and what’s not. Finding out too late can lead to tears (and nobody wants that).
4. Look for discounts
Many insurers offer discounts that can drop your premiums down a bit. For instance, if you choose to insure all your cars comprehensively with the king, you could get up to 20% off your royal car insurance premiums with our multi-car discount. You could even snag some sweet savings by bundling your policies (like car and home insurance) with us. Don’t be shy to ask about any available discounts.
5. Wriggle the excess around
When comparing policies, take note of the excess amounts that are being quoted with the estimated premium. As a reminder, the excess is the portion of a claim you’ll need to pay out of your own pocket in order to get your claim moving along.
When we say ‘wriggle’ around, what we mean is that you can ask us at King Price to push your excess up in order to bring your premium down. Think of it like a seesaw, and when you’re experimenting with these amounts, make sure to find a balance that works for your budget. The last thing you want is an excess you can’t afford if you ever have to claim.
6. Read the reviews and ask around
Our last piece of advice is for you to do some homework by reading reviews and asking friends or family about their experiences with different insurers. Word of mouth can be incredibly valuable in finding an insurer that’s reliable and easy to deal with when it counts most… Like during a claim. Which we’re really good at.
The king’s advice
Finding a good deal on car insurance doesn’t have to be a headache-inducing experience. By using these simple steps, you can comfortably compare quotes from insurers with good reputations for policies that you understand and are suitable for what you’re looking for.
So, get out there and start shopping smart, and remember, with King Price, you’re not just getting insurance. You’re getting peace of mind, premiums you can afford, and the best service.
Click here or WhatsApp us on 0860 50 50 50 for a commitment-free quote for car insurance you can be sure-sure about.
Psst… This blog provides general info only, and doesn’t count as financial or product advice from King Price or our legal and compliance experts. Remember, all our premiums are risk-profile-dependent, and T’s and C’s apply. Our most up-to-date KPPD (policy wording) can always be found here.
Our website T’s and C’s can be found here.
