You just got a car, congratulations. Either used or new, you got it, you get to soak in the goodness that every car owner has. But after that what is next? Car Insurance! A good number of Kenyans may frown at the idea of getting a quality car insurance plan rather than driving the streets of Nairobi and letting the roads shine through one’s lens.
However, when it comes to making the right financial decision, it only makes sense to choose the best car insurance company that meets your needs. You must have noticed that a vast number of insurance companies have risen in Kenyan with enticing ads and promos alike, finding the best may be tricky but GetInsurance is here for you.
Dive into the considerations you need to make when choosing a car insurance company. First things first, check your budget. Your budget plus your needs will attract the right kind of insurance company capable of facilitating help when the need arrives. The second is … Your guess may be right, you should be an auto owner, whether it is Corolla or a Mercedes, you need a car to get a car insurance plan.
What Questions Should You Ask When Getting an Insurance Plan?
Though they say curiosity killed the cat, trust me, lack of curiosity might kill your car. There are five questions you need to ask to choose the best plan to suit your needs.
1. What car insurance plan is suitable for you? Do you need comprehensive car insurance or a third party plan?
There are different car insurance packages in Kenya, there are comprehensive car insurance that covers the insurer against an event of a third party’s death, injury or property damage with wider range of covering risks, and the third party plan is mandatory and an insurance company covers the owner’s damages and the third party’s in case of an accident.
2. How do their quotes work, are there hidden charges to consider?
You will need to consider how the payments are made. Make sure you have done your research on finding the best car insurance company to use. Be mindful that if you can’t afford the deductible, your car won’t get fixed. Also, keep in mind that lower premiums carry higher deductibles.
3. Are you looking for a wider range of protection or are you concerned about the cost?
Your budget is important, ask about the different rates they offer and how it will fit your needs. If there is a form of flexibility in payments, this should be communicated in case you want to upgrade or vice versa.
4. How do you claim your premium in the event of an accident and how long does it take?
Find out what happens after you have an accident and know whether your insurer allows claims to be made 24/7. A good insurance provider will not hesitate to explain how you go about making a claim and the conditions attached to it.
5. Am I entitled to discounts?
Ask if there are benefits that you qualify for. For instance, if one’s clean driving record and adherence to the safety features might help qualify one for better rates.
You can find out more about insurance deals to make sure you get the best coverage for your automobile, follow us at GetInsurance.ng for exciting new deals.