by Tom Martens
Short-term car insurance will be expensive due to high risks, especially in places such as South Africa. Knowing how to lessen the fees will help lead you down the correct path.
First, let’s examine what is driving the costs. Car insurance risk is the major culprit behind higher short-term insurance premiums. Industry experts cannot ignore that South African roads are increasingly dangerous. The country is often a leader in traffic injuries and fatalities. The privilege of driving is constantly being extended, even to those who are not qualified drivers.
Younger drivers have always been viewed as a higher risk. Drivers aged’-30 historically pay the highest rates.As carmakers continue to upgrade their offerings, prices reflect those gadgets, leather seats, on-board computers and more. As car prices go up, so must the cost to insure them.
Insurers should consider that car theft and hijackings when they calculate their premiums. Statistics show a decline in thefts while hijackings continue to rise. In the homeowners insurance market the main factor is fraud. Some estimate that 6%-10% of short term insurance claims are fraudulent, that amounts to more than $2 billion yearly.
It is possible to ensure that these issues do not impact your insurance situation. You may not have any control over other people making fraudulent claims, but there are steps you can take to ensure that they do not affect your insurance premiums. For example, you can offer to take a polygraph test whenever you submit a claim. As a reward for honesty, some insurers will give you significant savings on your premium.
For car insurance, start by increasing you excess as this can lower your premium. Take this into consideration as you gather quotes. Also, be sure you can afford to pay the excess amount you choose in the event of a claim.
Maintaining a clean driving record not only keeps you safe, but can also save you money. If your driving record isn’t as clear as it could be, you can attend a driving course offered by car manufacturers or the Automobile Association. This can help clear negative history. Driving courses aren’t just for bad drivers, however. A driver with a clean record can attend to possibly lower their insurance premiums.
...19.05.82
@abutton - I (and I am sure many others) observed a similar attitude towards emergency cars many times.
I see 3 major reasons for that.
First - of course that the majority of drivers of private cars have the "me and only me" attitude towards other road users.
Second - I saw quite a few times that emergency cars, even if not in real action use their sirens and lights to pass quicker through traffic (especially the police seems to have a monopoly for that behavior)
Third - there are quite a bunch of private cars out there who install into their cars emergency lights (usually into the front grill) and sirens and then intimidate other road users by back-tailing them using all of the above + flashing their lights into the back mirror.
So of course even road users who would actually give space in many cases refuse to move at all on to the side because they are weary of all these "pranks" - in the end the ones who have to pay the price are the real emergency cars with real death or life patients on-board.
Source: Jakarta Globe
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