So, you plan  to insure your vehicle and wondering, “How much will my car insurance really cost?”. The answer isn’t just some random number we spin. The truth is that premiums vary from person to person. For example, a single driver, with access to secure parking, who only drives during the week, won’t pay the same premium as a mom living on the coast, commuting daily, in a big family SUV.

As they say in Gen Z and Millennial lingo, it all comes down to the “deets” (details).😉

Don’t worry; this blog does not end here. Let’s unpack these “deets” so that you can understand exactly what factors affect your car insurance premiums.

 

What Affects Your Car Insurance Premium?

The Car You Drive

  • Make and Model: High-performance or luxury cars often have higher premiums due to costly repairs and harder-to-source parts.
  • Age of the Vehicle: Newer cars cost more to insure because of their higher value. That said, older luxury cars can sometimes be just as pricey!
  • Safety Features: Cars with alarms, trackers, or advanced safety systems are considered lower risks, making them cheaper to insure.

You, as The Driver

  • Age and Driving Experience: Younger drivers, or those with less experience, typically pay more. K53 only gets you so far, and a few fender benders are almost a rite of passage.
  • Driving History: A clean record equals lower premiums, but accidents or fines can push them up.
  • Occupation: If your job keeps you on the road, your risk profile increases, affecting insurance costs.

Where You Live

  • Residential Area: Higher crime or accident rates in your area can raise premiums.
  • Parking Situation: A locked garage could help reduce costs, while street parking may increase your risk.

How You Use Your Car

  • Daily Commutes vs Weekend Drives: More mileage generally means a higher accident risk, which affects premiums.
  • Business or Personal Use: Cars used for business purposes tend to cost more to insure, especially if others drive them on your behalf.

Policy Add-Ons

  • Extras such as roadside assistance or car hire add convenience but can increase your premium slightly.

RELATED: AFTER-HOURS EMERGENCIES ON THE ROAD.

 

With Us, You Control How Much Your Car Insurance Costs

At dotsure.co.za, your premiums work for you because with Name Your Price™, you can choose cover that fits your lifestyle and pocket. Basically, all your deets are the ingredients, and we use them to make the perfect insurance recipe just for you.

Check it out: 7 WAYS TO SAVE ON  CAR INSURANCE WITH US.

 

The Bottom Line

Car insurance premiums don’t have to be a secret. And when you understand the factors that influence your premiums, you’re in the driver's seat! Plus, with car insurance from dotsure.co.za, you have the perfect insurance dish: flexible, affordable and customisable, made just for you!

Ready to save? Get an instant quote and start customising your policy today!