Let’s talk about something that’s lowkey important but can be a major yikes if you sleep on it – car insurance. We know it sounds basic, but trust us, it’s actually pretty lit when you get the tea. So, let’s spill!
Car insurance is a must-have, and we’ll show you how to finesse it without being salty about the cost.
Why car insurance is big mood
For real, car insurance isn’t just some boujee extra. It’s the GOAT when it comes to protecting your ride and your wallet. Here’s the sitch:
- It’s got your back if you get into a fender bender (or worse).
- Keeps you from going broke if someone tries to sue you.
- Helps you flex responsibly on the roads
The tea on types of coverage
There are different flavours of car insurance, and you need to know which one slaps for you:
- Comprehensive:
This one’s extra. It covers everything from crashes to theft. It’s the whole package, period. - Third-party:
The bare minimum. It’s giving “I’m just here so I don’t get fined” vibes. - Third-party, fire, and theft:
A step up from basic, but still not bougie.
How to get car insurance without taking an L
Getting insurance doesn’t have to be a struggle. Here’s how to finesse it:
- Shop around: Don’t settle for the first quote. That’s sus.
- Flex your good grades: Some companies give discounts for being a smarty pants.
- Take a driving course: Level up your skills and possibly your savings.
- Consider usage-based insurance: If you’re not out here driving 24/7, this could be clutch.
Things that affect your premium
Insurance companies look at these things when deciding your premium:
- Your whip: The make and model of your car.
- Your location: Where you park your ride.
- Your driving history: Keep it clean, fam.
- Your age: Sorry, but being young can make it more expensive (it’s giving ageism, but don’t come for us – our actuaries are the ones crunching the numbers and spilling the tea).
Building a solid insurance history
Starting early with insurance is like investing in your future self. It’s big brain energy:
- Start with a lower-risk car.
- Keep your driving record clean (no cap, it’s important).
- Consider staying on your parents’ policy if possible (slide into yo mamma’s DMs and tell her to cop a quote from King Price – it’s the real MVP move).
- Build credit (adulting 101, but it helps).
Want to get an insurance that speaks your language? Get a commitment-free quote from the king of insurance. Just give us a call or pop us an email: 0860 50 50 50.
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.
