Do not let the confusion clutter in your mind when wanting to determine which cheap car insurance is right.
I will give you some ways that you can use:
Determine which type of protection is suitable for your car
To get the right cheap car insurance, you must first determine the appropriate type of protection against your car.
Is it Comprehensive (All Risk) or Total Lost Only (TLO)?
Where Comprehensive (All Risk) will guarantee a partial or total damage cost incurred on your car and Total Lost Only (TLO) replaces damages above 75% of the sum insured (this is suitable for aged vehicles).
Make sure not to be tempted by cheap premiums
One thing you need to remember, do not be tempted by cheap (below average) premiums offered by insurance companies. It could be the company is who just looking for profit only. Assume a cheap premium as a premium that fits your budget.
Be sure to know about the insurance company’s workshop
You also need to know about service partner companies such as workshop location. That way you’ll easily get in touch and get to the workshop if your car is damaged.
Note the cheap car insurance package offered
Pay close attention to the insurance package offered by the insurance company.
Each package of course has a difference for example
- regarding the type of protection,
- extension of warranties,
- and premiums.
The more protection offered the greater the premium you will pay.
Make sure you know your rights and obligations as a policyholder
Your right in car insurance means protection (compensation) provided by the insurance company or any additional services you will get.
While the obligation is to pay premiums every year and you are also obliged to comply with the rules set by the company (rules of premium payment or time frame for the claim).