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The South African car insurance market has some unique challenges. For the most part, South Africans have the choice of buying car insurance or not, so that translates into a majority of the countrys drivers operating uninsured vehicles. South Africa is also a very risky place to drive. It often leads the world in the number of traffic injuries and deaths each year.

This combination of a risky driving environment and the alarming number of uninsured drivers has led to high insurance premiums for responsible drivers looking for auto cover.

Although it is the most costly form of insurance cover, Comprehensive Cover provides the highest form of protection of all the other insurance covers. The cover includes protection not provided by the other two other forms of cover, Third Party and Third Party Fire and Theft. Third Party covers you in case there is damage another persons property in an accident or a person is injured in a mishap that you are responsible for. Third Party Fire and Theft covers you when your vehicle is destroyed by fire or is stolen. Comprehensive Cover on the other hand is an all inclusive cover. It covers damage to your car, medical expenses and replacement of broken glass

This may not mean much to you right now. But when you realize that each time you get behind the wheel, you take the risk of damage to your car, to yourself, and to other people and property into your own hands, driving without insurance is really a frightening idea. Can you afford to repair or replace your car if you are in an accident? If you cause an accident, can you afford to repair or replace someone elses car or property? What if your car is stolen, hijacked or vandalized? If you cant afford to pay for these things out of your pocket, you need insurance.

Now that youre aware of your need for insurance, take some time to learn about the options you have to lower your premiums.

The best way to reduce your car insurance premiums is to maintain a clean driving record. Since every claim that you make on your insurance costs your insurer money, the more claims you have made, the more that they will need to charge you. By the same token, maintaining a clean driving record will lead to lower premiums.

The kind of car you drive also makes a difference. Expensive sports cars cost more to insure because accidents or thefts are more likely and repairs cost more.

Reduce your premiums by increasing your safety measures. Add gear locks or global tracking systems that exceed your policys minimum and ask for a discount.

Compare insurance rates by requesting quotes online. You will find the most competitive rates and may even receive a discount for purchasing online! Bear in mind that the lowest priced insurance policy does not always offer the best coverage. Evaluate your insurance needs and select the policy that covers you best while keeping your rates as low as possible.

Roughly 65 percent of South African motorists don’t have car insurance. That is extremely worrying for the minority who do. What is preventing all these people from assuming responsibility and buying at least the basic cover?

We will start with a look at the different types of insurance. There are three basic types of insurance in South Africa.

The minimum cover is Third Party. This covers your liability (costs) if you damage someone elses personal property in an car accident. This includes other cars or structural property that may also be damaged.

You also have the option of buying Third Party Fire and Theft which would cover incase of any damage to your vehicle by fire, theft or attempted theft.

Comprehensive cover is the one that is recommended for most South Africans. It has in it, Third Party Fire and Theft and also covers damage to your own vehicle in an accident that is deemed your fault. There is also an additional coverage in it which covers when you are driving someone else’s car.

Other vehicle insurance options are designed to meet the needs of drivers operating in the unique South African driving environments. These include motorcycle cover, off-road comprehensive cover, and caravan cover.

Because South Africa is a high risk insurance environment, premiums can be high. But you can take some steps to lower your premiums.South Africa is often a world leader in traffic injuries and fatalities and the roads are becoming increasingly dangerous. Car theft and hijackings are also all too common.

Begin by looking around and comparing quotes. It is much easier to research your many options via web. You could also possibly get discounts if you purchase your policy via the web if the company you want to work with enables this.

Drive safe and save on your premiums. Claim-free years should earn you rewards from your carrier. If not, scout for companies that would offer value rates to you.

During the purchase of insurance, you should check the maximum amount that you are going to paid if claimed. If this excess amount is high, then premium will also be high. Selection of maximum amount depends on you. It gives you benefit on long run, if you can afford higher excess amount.

Are you an owner of an expensive or high performance vehicle, if so you will end up paying more for premiums. These luxury vehicles attract high rates to insure as it is expensive to replace or repair. Keep in mind when buying a car that insurance premiums adds to the value of owning it.

Because most insurance companies often have minimum security requirements for vehicles that they secure, exceeding the minimums by adding security devices can result in a discounted premium.

If you live in a high crime area, your car is at greater risk for theft or hijacking. Consider moving to get lower premiums. You can also receive a discount if you park your car in a locked garage or behind locked gates overnight.

Most of all, dont be afraid to negotiate. An insurance company that is interested in your business will be willing to work with you in order to earn your business.