Online car insurance quotes are awesome tools when it comes to choosing the best car insurance companies and insurance policies – yet it is important to see and use them realistically.
Online insurance quotes are ballpark premium figures
In order to not waste your time, insurance quote request forms are kept short and sweet. As such, insurance eQuote, as online insurance quotes are often referred to, are not 100% accurate; although they can give you a general indication of what your insurance premium will be.
Wait for the insurance company’s telephone call
Shortly after you’ve received your online car insurance quote from the insurance company (delivered via email), you will also be contacted telephonically. At this point, an insurance consultant will be able to tailor an personal car insurance policy to such an extent as to give you the most optimal level of insurance coverage – at a price that is as low as possible.
For example: opting not to insure your car’s radio will save you quite a bit of money per month, as the risk of a break-in will be significantly reduced.
Compare apples with apples
Be sure to compare similar insurance policies, featuring the same benefits, level of coverage, similar excess amounts, etc. Don’t assume that Insurance Policy A is better than Insurance Policy B, just because the premium, quoted based on a basic estimate, was lower. (Initial online car insurance quotes delivered via email can differ significantly with regards to the premium quoted!
Online insurance quotes can be cheaper!
Dial Direct, a leading insurance company in South Africa, boast a 5% discount on your insurance premium should you sign up for cover by requesting an online insurance quote.
Many South African insurance companies are specifically geared towards an operational model leveraging online quotes, followed by telephonic quoting – and it’s 100% free! If you don’t like the insurance premium quoted, or the cover doesn’t suit you, you’re under no obligation to sign up!