Compare different quotes
If you are looking for the cheapest insurance quotes the golden rule is to compare quotes from various insurance providers. You should visit agencies near you and speak to an agent. You could also do some online research and get quotes from at least three insurance companies. Another way to get a better idea of the best insurance companies to approach is by consulting your friends and family to find out what benefits they get from their insurers.
Remember that your age matters
The type of insurance you get from your insurance provider may be dependent on your age when you are looking for cheap car insurance.
Statistically, the lowest premiums generally associated with cheap car insurance rates are typically given to drivers between the ages of 25 and 55.
If you are looking for cheap home insurance, you may get discounts if you live with someone who is older than 55 years old.
Move to a low-crime area
This can be tricky in a country like South Africa but the location of your home is a key factor. Your daily commute is also taken into account, so the shorter your commute the less time you’ll spend on the road and the lower the risk you are associated with. If you live in an area that is prone to break-ins and/or hijacking, your premiums may be hiked.
If you’re looking for cheap insurance quotes on your home insurance, owning a house in a low-crime area can lower your level of risk and your premiums significantly.
Consider driving a different vehicle
The exact make and model of your car makes a difference. The newer the car, the higher the replacement/repair costs so you can get cheaper insurance by driving a low-risk car.
Consolidate your policies with one company
You may save more by combining your separate policies into one.