When it comes to purchasing car insurance, finding the right policy depends greatly on whether you find the right company to work with. The concept is simple: a great car insurance company will provide great car insurance.
Many individuals searching for car insurance find it difficult to recognise a reputable and fantastic company. As a result, they end up stuck with a less-than-perfect policy they don’t really understand.
What to look for in a car insurance company
• Coverage - While the price is important, take a good look at exactly what type of cover is offered, and what’s included in. You should be able to get third party car insurance, to cover damage you cause to another person, vehicle, or property. Third party fire and theft car insurance is similar to third party insurance, except you are also covered if your car is stolen or damaged by fire. Comprehensive car insurance should also be provided, with full protection of your vehicle, and cover that includes key and lock replacements, and add on’s like roadside assistance and being able to hire a car while yours is being repaired.
• Customer service - Before you purchase car insurance in NZ, contact the company and see what type of customer service they provide. Are their representatives friendly and professional? Can they easily answer any questions you have? Are they patient with you? Are they willing to provide you with a car insurance quote for each type of cover they provide? Do they do everything within their power to explain the type of coverage you’re thinking of purchasing so you’re comfortable with the idea of working with them? Make sure you can answer all of these questions with a ‘yes’ before paying.
• Price - While the price of your car insurance is important, you need to consider what you’re receiving for your money before you decide what is a fair price and what isn’t. You may be willing to pay more if you can easily talk to a customer service representative that’s friendly, or you may be willing to pay a higher premium if you receive extra cover others don’t provide. Car insurance companies strive to be affordable, and you may find that a few offer discounts for multiple policies or for having no claims. Take all of these factors into consideration when choosing a company.
• Additional policies - For many, working with two, three, or even four different insurance companies for each piece of property is hectic and almost impossible to keep track of. Find a car insurance company that offers other insurance policies, like contents, home, life, and travel, so you only need to keep track of one phone number and rest easy knowing all of your assets are protected.
Finding the right insurance policy isn’t difficult. You just need to know how to find the right company. Once you do, you can be sure your car is secure and you’re covered in case of the worst.