The economic crunch has led to many an insured reducing their car insurance premiums by reducing their insurance cover. While it pays to re-evaluate your insurance policy, it’s not always financially beneficial to limit your cover. It pays to shop around for a new insurance policy and with online quotes it’s becoming easier.



Insurance quotes in South Africa can be done online and are reliable. If your insurer doesn’t offer online services, then perhaps it’s time to not only re-evaluate your policy, but your insurer.



While some people are worried to give out their personal information over the internet, online quotes are safe and personal information is kept private. Organizations, such as carandhomeinsurance.co.za, can source multiple quotes from independent insurance companies and brokers and, because of their relationship with insurers, get you a discount on your insurance policy.



A single form is filled in requiring your name, surname, email address and contact numbers. Someone will contact you to determine your insurance needs and source quotes on your behalf from various insurance providers.



Many providers of such insurance quote services, however, are either commissioned by the insurer or earn a percentage of each signed policy with a particular insurer which biases the results they bring back to you. For this reason, it’s best to request multiple insurance quotes from an independent company for unbiased results from non-affiliated companies.



But remember when comparing quotes to compare the same product. While one insurer might be cheaper on monthly premiums, another has a higher excess to reduce the monthly amount. Make sure all policies your are being quoted for cover the same aspects and have similar excess. Don’t forget, too, that the reputation of the insurer and their claims process should be factored into your decision.