How to save on your car insurance
You can save money on your car insurance premiums by revising your policy, making changes to your vehicle or simply by changing your driving habits.
Here are some easy ways to pay less for vehicle insurance:
Safety and security
Many car insurance policies offer discounted your premiums if you install specified security equipment. The bonus is that the outlay for additional protection of your car is often absorbed by the reduction in premiums. You may also get a discounted rate if your vehicle has a good safety rating and includes protection technologies like immobilisers and an alarm.
Excess spending
There is often the option of electing to pay a higher excess in exchange for a lower monthly premium. This is not without risk, however, because of the potential expense if you need to make a claim.
Get the right level of cover
You can pay a lower premium in return for a reduced level of motor insurance cover. If your car has been paid off or is fairly old, you might consider just getting third party and fire and theft insurance, rather than a more expensive comprehensive car insurance policy.
Drive less
This may sound like an impractical suggestion, but it is becoming an increasingly popular trend – for environmental and economic reasons. One of the most effective ways to reduce your everyday mileage is to car pool to work. Not only will you save on petrol and reduce wear and tear to your car, you will also be in a position to pay less through a Pay As You Drive insurance policy.
Drive a car that’s cheaper to insure
When considering the price of a new car, people sometimes forget to take into account the insurance cost. Some vehicles are cheaper to insure than others, and it is worth bearing in mind these differences when making your decision.
Hollard offers competitive car insurance in South Africa. A Hollard insurance broker can save you money by customising motor insurance to your needs.
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