Finding Cheap Car Insurance In Africa

Nigeria is infamous for the high crime rate and deadly roads, so and in addition finding cheap automobile insurance can be an nearly impossible task. However, there are some ways of making certain you get the best possible premiums on your own car insurance. According to your present insurance coverage and situation a number of the following tips could help to tear down insurance fees:

1. Comparison Shop Often South African consumers decide to choose the first insurance plan in the first broker or insurer whom they contact. Getting quotes and advice from several insurance providers or brokers is important because of not only choosing the cheapest policy but also for getting accurate advice. Comparison shopping can be done by calling several insurers and requesting quotes or alternatively can be achieved automatically via websites like InsuranceHound.co.za.

2. Maintain your Credit score Clean Insurers have identified a primary correlation between consumers credit histories and the risk the pose to a insurance company. Therefore, someone using a a bad credit score history is likely to pay higher premiums than someone with a decent credit score.

3. Reduce Your Mileage Some insurers offer reduced prices for those who drive only a certain variety of kilometers each month. Manufacturers like Hollard offer special insurance products targeted at people who dont drive much. Make use of trains and buses where possible and fly down to the coast for your holidays as opposed to racking up mileage by driving down.

4. Drive Defensively You could be offered cheaper premiums for those who have a good record. Your driving history takes into account the quantity of accidents, fines and convictions (like drink driving) that you have accumulated before 3-5 years. By driving inside speed limit, anticipating possible collisions and avoiding driving drunk you can not only cut costs but possibly also lives. Some insurers provide discounts for drivers who've completed accredited defensive/advanced driving courses.

5. Obtain a Safe Car Vehicle theft can be a main reason why premiums on motor insurance in Nigeria are really high. Certain models and makes of cars are hotter targets for criminals and therefore are thus higher risks for insurers. Vandalism is a problem and flashy, schoko adventskalender high-performance cars tend to be targeted more old beaters. Quite simply, buy a station wagon!

6. Park Inside a Garage By parking your vehicle inside a garage you reduce the risk of your vehicle being stolen, vandalized or bumped by other cars. You may probably get a lower premium for those who have a garage available.

7. Safety Devices Immobilisers, car alarms and vehicle tracking devices all reduce the chances of your automobile being stolen thus reducing the risk to insurers. Actually, most South African insurance firms is not going to cover your vehicle unless certain devices like immobilisers are installed. Weigh up the expense of higher premiums as opposed to the cost of installing a tracking device prior to making this decision.

By implementing some as well as all of these tips you might bring your monthly motor insurance costs down to a level that will not leave an opening in your wallet!