We all know the story of Goldilocks: the little girl who broke into a family’s house, stole their food, and destroyed their property, all the while complaining that their amenities did not fit her exact needs. But while her morals were questionable, Goldilocks did have a good point about not settling for anything less than what she really wanted.
Many car owners find themselves in similar positions when it comes to insurance premiums: are they paying too much, too little or just the right amount? We’ve compiled a handy guide to help you find your Goldilocks cover:
Are you paying too much?
A simple way to determine if you’re overspending on car insurance is to ask yourself this: “Did I do my research before committing to an insurer or package?”. If the answer is: “No way, who has time for that?”, then you’re likely paying too much.
Look, we get it. Poring over premiums is the last thing anyone wants to do. But, not doing your homework could result in blindly paying for features and add-ons you don’t want or need. For instance, night-time driving cover might be an extra you’re forking out for – when you’re actually at home chilling on the couch by 7pm instead of out on the town.
…Or too little?
On the other side of the coin, underspending on insurance isn’t smart either. While you might think you’re saving with a bare-bones plan, lack of cover could end up actually costing a lot more than the premiums should anything happen. Even a minor collision could put you out of pocket to the tune of thousands if you don’t have good insurance. This is especially true if you’re driving a new car or are still making payments on your loan.
Once again, the key here is research: look for a plan that is tailored to your specific needs. For instance, if you live in a stormy part of the country, it is worth paying a little extra for hail damage protection – it will save you money in the long run.
Choose insurance that’s just right
And now for the good bit: car insurance that will lighten your worries, not your wallet. With dotsure.co.za you get to pick and choose exactly what you’re covered for with our amazing Name Your Price™ comprehensive insurance product. That means you’ll never overpay for features you don’t want or be left without add-ons you might need.**
From car insurance at a price you pick with Name Your Price™ to superfast claims pay-outs, choose dotsure.co.za and get everything you wished car insurance could be – all online, anytime.*
*T&Cs and possible exclusions may apply and can be obtained by emailing email@example.com.
**Subject to receipt of a valid claim and required documentation.
Risk profile and policy dependent.