You should obtain a car insurance quote even before you are given the keys to your newly purchased sedan, four by four or snazzy sports vehicle. Any sort of accident can happen without notice and it’s essential to be ready for the unforeseen. Costs to fix or to replace a motor vehicle after a major accident can be quite substantial and without insurance lots of individuals will be unable to afford these repairs, not even to mention investing in a new vehicle.

Insurance is an overwhelming subject matter for lots of people. The main reason for this is probably the skepticism surrounding insurance – there are so many different providers and products to select from, and on top of that, the insurance language is enough to make even the most knowledgeable person frown. It is therefore important to have a good comprehension of the general insurance terms and key phrases, before you even pick up the phone to receive your car insurance quote.

If your policy states that you’re not covered against Acts of God it means that you are not covered for damages as a result of natural causes including tornado’s, storms, flooding, tsunamis, or lightning, simply to mention several. Acts of God are often excluded from most policies, but can be bought as an add-on to your policy.

Vehicles are often insured at the current market value, and it is therefore vital that you understand how the market value is calculated. The retail value of your motor vehicle is the value that your car can sell for if a dealer sells the car for you. Trade value is the value at which the dealership will buy the vehicle from you, if you want to make a direct sell. Market price is in essence halfway between the retail and trade values of your car.

Many Policies will stipulate that you should have anti-theft devices installed in your vehicle. In most cases this makes the policy more affordable and in other instances you will not even be able to obtain a policy without these units in your vehicle. These units might range from immobilisers to steering wheel locks, alarms and tracking systems. Anti-theft devices must be approved by your insurance provider before you will qualify for a reduction on your insurance premium.

Additionally, you will observe that your policy mentions the word approved repairer. This basically means that you will not be able to take your vehicle to the local panel-beater on the corner, unless the local panel-beater is on the insurance company’s list of approved repairers. This is basically to protect the insurance company from sub-quality work. Because they have to pay a lot for repairs to vehicles, they want to make sure that a proper job is done. This in reality protects the right of you, the client too.

Getting a car insurance quote should not be a daunting task. There are numerous insurance agents and brokers who will be only too happy to answer all your questions and assist you in making an educated insurance decision.

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