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Cheaper Car Insurance Quotes in Under 2 Minutes

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What Does Car Insurance Usually Cost? 

How long is a piece of string? It depends. Unfortunately, it’s the same answer to the question 'What does car insurance usually cost?'

There are a bunch of factors that insurance companies use to figure out what your monthly premiums will be. So it’s impossible to give a one-size-fits-all answer to this question.

That said, you can choose between three different types of coverage in South Africa. While some are pricey, there are cheaper car insurance options, too.

Comprehensive: Premium Coverage for Complete Peace of Mind

Comprehensive car insurance covers you for a wide range of scenarios. Whether you’re involved in an accident or if your car is stolen, burnt to a crisp or damaged due to a natural disaster, you’ll be able to claim.

Of course, this all-inclusive cover means that comprehensive car insurance tends to be the most expensive option.

Third Party, Fire, and Theft: Cheaper Car Insurance That Balances Protection and Premiums

Third party, fire, and theft cover is the middle ground. It lets you claim to repair damage you may have caused to another person or their vehicle in an accident. Plus, you can get a payout if your car is damaged or destroyed in a fire—or if it’s stolen.

This cheaper car insurance option strikes a balance between having protection for your ride and leaving you with some funds for fun at the end of the month.

Third Party Only: Basic Protection for a Bargain Basement Price

Third party only exists to protect you against claims from third parties for damage caused by your vehicle, but it doesn’t cover your car.

Third party only insurance is the most budget-friendly option. So, if cost is a big deciding factor and you’re willing to take on the risk of covering damage to your vehicle yourself, this might be the best choice for you.

Levels of Coverage for Different Car Insurance Options

Price tierMost expensive car insuranceCheaper car insuranceCheapest car insurance
Third party, fire & theft  
Third party only

How To Get Cheaper Car Insurance

Finding the sweet spot between affordable car insurance and sufficient coverage can sometimes feel like trying to navigate using a map—in the dark. Fortunately, your trusty insurance co-pilot is here to guide you through the world of cheaper car insurance.

Here are our top tips for how you can lower your car insurance premium—or get cheaper rates—without too much fuss:





Cheaper Car Insurance in Practice: What Will the Different Levels of Cover Get You?

What Things Make Your Car Insurance Cheaper?

You want to know how to make car insurance easier on your wallet, right? But before you can understand how to do that, you need to know how insurers calculate your monthly premiums.

Most insurers have a handy car insurance premium calculator that they use to figure out what they’ll charge you each month. It’s not the kind of calculator that you used to do sums in school. It’s more of a formula that factors in all the elements in your risk profile to determine how likely you are to claim.

Is There Anything That Will Make Your Car Insurance More Expensive?

Few insurance policies are stock-standard. You can usually add a bunch of bells and whistles to customise your cover to fit your needs.

Extras can be really useful if you’re able to pay the additional monthly premiums and you don’t want to be out of pocket when something goes wrong. That said, they will cost you. You’ll probably pay more if your car insurance policy includes:

Who Offers the Cheapest Car Insurance Quotes in South Africa?

Sorry to say, there isn't a single answer to this question. Why do all the important questions have to end in 'it depends'?! There are loads of car insurance companies in South Africa, each with their own unique offerings and premium structures. What you end up paying each month will depend on your risk profile as well as the standard terms and conditions of your chosen insurer’s cover.

There are loads of car insurance companies in South Africa, each with their own unique offerings and premium structures. What you end up paying each month will depend on your risk profile as well as the standard terms and conditions of your chosen insurer’s cover.

Is Cheaper Car Insurance Still Good?

In short: yes.

Having cheaper car insurance is better than having no insurance. Naturally, more comprehensive policies will give you better coverage, but a cheaper option can give you the peace of mind you need without breaking the bank.

Before you jump at the chance to have cheaper car insurance, you’ll need to train your eye to find the best bargain. There are a range of exclusions and limitations that can come with lower premiums.

Compare Insurance Options Yearly

A lot can change in a year. You might buy a new house in a less risky area, get an advanced driving license or drastically improve your credit score. All of which will affect the price of your insurance premiums.

Set an annual reminder to hop onto to compare quotes to find out whether there’s a cheaper car insurance option available to match your changing circumstances.

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