When it comes to purchasing car insurance, everyone wants the best deal possible. This means getting adequate, or more than adequate, insurance for the lowest price. Often, car owners end up paying more than they should for the cover they get because they just don’t know what they should look for when shopping for car insurance in NZ.

The best insurance company for you will be the one that provides the service you need, the price you want, and security to give you peace of mind.

When ready to purchase car insurance, consider the following five tips.

Purchasing Car Insurance

  • Determine the type of cover – The first step to take when you are trying to find car insurance is deciding what type of cover you need. Will you require comprehensive car insurance, providing full protection, and additional add-ons like Roadside Recovery? Or do you need third party fire and theft car insurance for cover for damage you cause and for theft and fire? Think for a moment about the cost of your car, your ability to pay for your own repairs if you should happen to be in an accident, and then decide which policy is the right choice for you.
  • Check your driving record- In New Zealand, you can call the New Zealand Transport Agency (NZTA), on 0800-822-422 to obtain a copy of your driving record. This record is important when you are searching for car insurance. It’ll give you a report and a summary of any demerit points and demerit point suspensions that have occurred within the last 7 years, as well as a list of active demerits that might have been recorded in the last two years. If your seven years are almost up and your demerit points are about to disappear, waiting a little bit before you obtain a car insurance quote can mean big savings.
  • Get a quote- Begin getting quotes from car insurance companies, taking care to write down everything and ask for everything. Even if you don’t think you can afford comprehensive car insurance, you should obtain a quote anyway. You might be surprised how reasonable the insurance costs are, especially with the additional cover it provides.
  • Speak to the company- A good insurance company will provide you with several options for contacting them. This is because they want to talk to you, they want to help you, and they want to answer your questions. Take advantage of their customer service and ask as many questions as you need to in order to be comfortable with an insurance policy.
  • Look for discounts- The best car insurance companies will work hard to ensure you can afford the right policy, and many do this through discounts. Check and see if the company you are looking at offers discounts like multi-policy and no claim discounts.

By taking the time to go through each of these five steps, you’ll be comfortable and content with the policy you get from your next car insurance company.

Purchasing Car Insurance: Five Steps to Take, 5.0 out of 5 based on 2 ratings

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