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Posts Tagged ‘Cheaper Car Insurance’

The age-old argument over whether women or men are better drivers has reached a stalemate: just as many studies proving that the former is better behind the wheel prove the same about the latter. Surprisingly, a new standard by which good drivers can be judged has emerged: the overall state of your health.

The research was conducted by Discovery Insure, the short-term insurance division of the Discovery Group. The data came from their Vitalitydrive program, which offered members cash back on their fuel and enabled them to save on their car insurance as an incentive to drive better.discovery vitality

The research pointed toward the fact that members who visited gyms more often, ate better and utilised the travel and lifestyle rewards that their Vitality membership offers them are often the most careful drivers, and also tend to submit less hail damage claims after a storm.

This, Adrian Gore, the Group Chief Executive of Discovery Group, was probably due to people fitting this profile being more cautious as a general rule. As a result, they were a much lower risk for the insurer.

If you are a Discovery Vitality member, you might be able to save on your car insurance premiums as well through signing up for Vitalitydrive. You could even earn up to 50% back on your fuel expensive as a reward for driving carefully.

But how does Discovery Insure keep track of your driving habits? The age of technology enables us to do amazing things, and Discovery exploits this fact to its fullest by installing a tracking module called DQ-Track in your vehicle.

“Your DQ-Track will measure your braking, acceleration, cornering, speeding, distance and late night driving,” according to the Vitalitydrive website. What’s more, Discovery Insure does not charge you anything extra to install the DQ-Track module. It is all included in your Vitality membership fee.

The DQ-Track (DQ stands for Driver Quotient) enables you to earn points every time you drive safely. But in addition to that, Discovery offers DQ points if you correctly complete driving safety questionnaires, take driving courses, keep your vehicle’s service history up to date and pass Tiger Wheel and Tyre’s annual Multipoint Check. The more points you have, the greater the rewards (ie. the cheaper your car insurance).

DQ-Track also allows your vehicle to be tracked anywhere in South Africa should it be stolen, as well as a whole range of other safety features. Discovery Insure is hasty to offer assurances that no DQ-Track data will have any bearing on a claim you file, though. The only details verified through DQ-Track is the time and the place of the incident.

Fuel rewards on the program relate specifically to BP fuel and you can start claiming rewards almost immediately after joining the Vitalitydrive program. If you take into account how much fuel costs these days, indirectly saving on your car insurance through this mechanism is an invaluable way to get your premium down.

Save on your car insurance premium, your fuel costs, become a better driver and live a healthier lifestyle. It seems like a win-win situation, no matter which way you look at it, especially seeing that you can join the Vitalitydrive program for as little is R40 per month.

Car insurance can become a costly expedition if proper research and comparisons are not done.  To find cheaper car insurance quotes is an avid solution to this problem.  This can be done through the simple means of using the online insurance companies that provide the insurance comparison services to you. 

When using these site, the cheaper car insurance quotes are presented to you free of charge, at which the customer can then compare and decide which of the cheaper car insurance quotes best suit their financial means and insurance requirements.  It is of absolute importance that the customer gets the complete coverage of their car insurance that they desire, and therefore, it is necessary to find the cheaper car insurance quotes. 

When using these online insurance sites to find the cheaper car insurance quotes, one is able to find out information about the particular companies, information on specific insurance questions that are asked, as well as the latest news regarding the insurance industry and the effects thereof.  Thus it is shown that the cheaper car insurance quotes can be enhancing even more by the prospective client’s personal knowledge.

To acquire the cheaper car insurance quotes, the future car insurance consumer must follow some easy steps.  Following this admission, free insurance quotes would be presented for the customer to compare.  To reduce the premiums of the car insurance, and thus provide cheaper car insurance quotes, particular measures can be taken.  These include enhancing the security of the vehicle and ensuring the safety of the location of the vehicle. Other factors that affect the price of the insurance premiums are the age of the driver, the experience of the driver, the type of vehicle as well as the accessories that are insured.  Thus, to get cheaper car insurance quotes, one can use the free online quote process as well as follow the above guidelines.

Car Insurance Comparisons

When purchasing a car, one usually takes pride in the purchase and wants complete insurance coverage on it in case of loss or damage.  Therefore, most car owners look to find cheaper car insurance around which pertains to their needs and budget.  This can be done through direct car insurance, or a broker.  However, do not get caught in the trap in thinking that the cheapest car insurance on the market is always best for you.  One must do research and make sure that your wants and desires are met with that particular car insurance policy.

When insuring your car, it is very important that one knows their car’s market price at that time.  Generally, when insuring your car, the insurance costs should lower when fitting your car with an alarm and immobilizer.  These security improvements should entitle you to cheaper car insurance.

To bring about cheaper car insurance, on can also change the excess that one is prepared to pay.  This should reduce your premium.  This means that the more you are prepared to pay in the coverage of yourself in the event of loss or damage to your car, the less your premium will be.

Optional extras also increase your car insurance, therefore, only request these optional extras if absolutely necessary, as they will not bring you to the cheapest car insurance options.  It works on the principle that the less your insurance company must pay in the case of loss or damage, the cheaper your car insurance costs will be.  Another way to bring these car insurance premiums down is to ensure that your mileage is rights on the insurance policy.  If you are insured for more miles than you cover daily, then this must be change to ensure cheaper car insurance.

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