Barry de Klerk - One of the things you should always consider when buying a car, is the insurance.
You must make sure you get something that both fits your pocket, and which offers you the best possible service when something goes wrong. People usually complain a lot about insurance companies, but there are some of them that will be there for you when you need them.
In the case of an accident, it is always such a drag to get your insurance payout. They usually require a ton load of information before they process the request and this can be frustrating. Month after month you make sure you pay their premium, but when you finally need their help they are not willing to bend that easily.
That is one of reasons why you have to be sure to the right insurance. Insurance policies can be tricky, since they contain a lot of information. I know most of us do not really have the time to read each detail the contract, but you have to be sure you know what you are signing up for.
The first step of getting the best insurance is to get insurance quotes from various brokers and look at which ones that best suit your pocket. Secondly, get some recommendations from friends and family. Word of mouth might just what you need to choose the best.
After you make up a shortlist of insurance companies, you have to scrutinize their contracts fully. Try to see if the contract only covers the minimum or will it fully cover your car. Make sure you know how much you will have to pay out of your own pocket when you claim.
Another important thing to look at is if they offer roadside assistance or windshield coverage. This is one of the smaller things that might come in handy when you need it. One other important thing to look at is, find out if there are specific dates or deadlines when you need to file the paperwork in case of a claim. Make sure you read on what the insurance company will need from you when you claim.
Lastly, check if there are any other fees you have to pay annually, which are not included in your monthly premium. These are little things that you can easily miss, but they might cost you more in the end.
Make sure you double check the contract before you approve. Also ask someone you trust to go over the contract and advice.