The Cheapest Cars To Insure In South Africa

The price of car insurance depends on many different factors. In order to get the best deal on car insurance, it’s important to be aware of details that affect your premiums, where you can save money and you need to know what the cheapest cars to insure in South Africa are. For example: Just owning the right car can save you money on your car insurance.

These factors include the car’s availability (how many of the vehicle class exist and how many people are driving that class vehicle), the price of parts and their availability, its reliability on the road, and if it has safety features (airbags, advanced brakes etc.). It also stands to reason that more luxurious or sporty vehicles will have a much higher price for insurance, as can be expected. High-speed cars that cost exorbitant amounts to replace incur high monthly premiums.


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The Cheapest Cars To Insure In South Africa

The cheapest cars to insure in South Africa are thus:


  • The Volkswagen Polo
  • Toyota Yaris
  • Toyota Tazz
  • Corsa Lite
  • Volkswagen Golf

The price of any car insurance should always be taken into consideration when buying a car. Paying unrealistic premiums can be damaging to your finances. Sourcing a single quote from only one company just because you have a cheap car is also unrealistic. In fact, you should find as many quotes as possible to find the best deals.


Comparison sites are a great resource and will help you save time and money. LikeMoney finds the best quotes available based on your individual situation, needs, and an experienced consultant will then phone you to discuss your options.


The type of questions you can expect to be asked are:

  1. Do you actually own the car in question?

This is very important to car insurers because it could actually determine what you might be paying for. Should you, for example, have a lease or loan on your car, you may have to end up covering comprehensive and collision insurance on top of what you would normally pay for liability insurance.


  1. How many kilometres do you drive each day?

Car insurance companies have to ask this question so they can determine your chances of getting into a car accident. To make this simpler, should you be on the road a lot, the chances of damaging your vehicle increase, so you pose a greater risk to the insurance company. So, you can expect to pay more because of this. As can be expected then, the less you drive your vehicle, the less you’ll pay on monthly premiums.


  1. May I see your driver’s licence?

Having a valid driver’s licence is probably the most important document for the insurance company as it tells the company that you’re eligible for car insurance. Your driver’s licence is how your car insurance provider checks to see your car accident history. Should you be lucky enough or safe enough to have avoided most accidents or violations, that could reduce your monthly premiums even further. However, should you have plenty of speeding tickets or been in a number of fender benders, it’s safe to say that you’ll need to prepare your wallet.


  1. What is the type of vehicle you drive? (as discussed on top)

We already know that the type of car we drive will also determine our monthly premiums. So, make sure you give your insurance provider the VIN number of your car. The provider won’t insure anything without knowing what it is he is insuring. It can be found on your licence disc or on the vehicle’s papers.


  1. What do you use the car for?

It’s one thing if you use your vehicle frequently on your own accord, but if you have to use it for business, that brings another factor entirely. This means that you’ll have to pay for commercial insurance on top of what you’re already paying.


  1. Who currently handles your insurance?

This is actually bigger than what you expect. Depending on who your insurance company is at the time, that can influence the kind of quote you will get. Mostly, this is due to certain industries picking and choosing the type of people they want to serve. Some companies only offer great deals for people with clean records and others, only to retired people, etc. You could get a better or worse rate, depending on your insurance provider.

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