When it comes to protecting your prized possession, your car, settling for anything less than the best would be unthinkable. But with so many options and advertisements bombarding you from all sides, how do you know which auto insurance provider truly offers the best auto insurance in terms of coverage, affordability, and customer satisfaction?
In this comprehensive guide, we will help you navigate through the maze of auto insurance policies in South Africa and reveal the top picks for the best auto insurance in 2023. Get ready to discover the insurers that go above and beyond to provide affordable car insurance without compromising on quality. Buckle up, for a journey that will change the way you view auto insurance.
Key Takeaways:
- Choosing the best auto insurance is crucial for comprehensive coverage and peace of mind.
- Our guide focuses on affordability, top ratings, and customer satisfaction.
- Stay tuned for the top picks for the best auto insurance in 2023.
- Discover insurers that offer affordable car insurance without compromising on quality.
- Get ready to revolutionize your understanding of auto insurance.
Understanding Car Insurance Companies in South Africa
When it comes to car insurance in South Africa, it’s essential to understand the key terms and concepts associated with it. Whether you’re a new driver or an experienced one, having a clear understanding of car insurance can help you make informed decisions and ensure you have the right coverage for your needs.
What is Car Insurance?
Car insurance is a contract between you and an insurance company, where you pay a premium in exchange for coverage against potential financial losses resulting from car accidents, theft, or damage. In South Africa, car insurance is not only a legal requirement but also provides you with financial protection and peace of mind.
Premiums and Deductibles
When purchasing car insurance, it’s crucial to understand how premiums and deductibles work. The premium is the amount you pay to the insurance company in regular installments (monthly, quarterly, or annually) to maintain your coverage. The premium amount is influenced by various factors such as your age, driving history, type of vehicle, and location.
Deductibles, on the other hand, refer to the amount you agree to pay out of pocket before the insurance company covers the remaining expenses. Choosing a higher deductible can often result in lower premiums, but it’s important to consider your financial ability to cover the deductible in case of an accident or claim.
Types of Coverage
Car insurance policies in South Africa offer different types of coverage to protect you and your vehicle:
- Comprehensive Coverage: This provides coverage for a wide range of events, including accidents, theft, fire, natural disasters, and vandalism.
- Third-party Cover: This covers damage or injury caused to another person or their property in an accident where you are at fault.
- Collision Coverage: This covers the damage to your own vehicle in an accident, regardless of who is at fault.
- Theft Coverage: This specifically protects against theft or attempted theft of your vehicle.
It’s important to carefully review and select the coverage that best suits your needs and budget. Understanding the different types of coverage will help you make an informed decision.
A good car insurance policy provides the necessary coverage and financial protection when you need it the most.
Types of Car Insurance Coverage
When it comes to car insurance, there are several coverage options you can choose from. Understanding these options will help you make an informed decision about the type of coverage that suits your needs and budget. In this section, we will delve into the various types of car insurance coverage, including third party car insurance, comprehensive car insurance, collision coverage, and theft coverage.
1. Third Party Car Insurance
Third party car insurance is the minimum legal requirement in South Africa. It provides coverage for damage caused to other people’s property or injuries sustained by others in an accident where you are deemed at fault. While it does not cover damages to your own vehicle, third party car insurance offers financial protection against potential lawsuits and expensive liability claims.
2. Comprehensive Car Insurance
Comprehensive car insurance offers a higher level of coverage compared to third party car insurance. It not only covers damage to other people’s property and injuries but also provides protection for your own vehicle. This type of coverage includes accident-related damages, fire, theft, and other unforeseen events. With comprehensive car insurance, you can have peace of mind knowing that you’re financially protected in various situations.
3. Collision Coverage
Collision coverage specifically applies to damages caused to your vehicle in a collision, regardless of fault. Whether you collide with another car, a stationary object, or even roll your own vehicle, collision coverage will help cover the repair or replacement costs of your car. This is particularly useful if you have a newer, more expensive vehicle that you want to protect from the financial burden of repairs.
4. Theft Coverage
Theft coverage, as the name suggests, provides financial protection in the event of your car being stolen. It covers the loss of your vehicle and, in some cases, may also offer compensation for personal belongings stolen from the car. Having theft coverage is crucial, especially in areas with higher theft rates, as it offers valuable peace of mind and financial security.
In summary, car insurance coverage options vary in terms of the level of protection they offer. From the legally required third party car insurance to comprehensive coverage that provides broader protection, and specific coverage for collision and theft, there are choices to suit individual needs and circumstances. It’s essential to carefully consider the coverage options available and select the policy that best aligns with your requirements.
| Types of Car Insurance Coverage | Protection Offered |
|---|---|
| Third Party Car Insurance | Protection against liability claims and property damage caused to others |
| Comprehensive Car Insurance | Protection against liability claims, property damage caused to others, and damage to your own vehicle |
| Collision Coverage | Protection against collision-related damages to your vehicle, regardless of fault |
| Theft Coverage | Protection against the loss of your vehicle due to theft |
Comparing Car Insurance Quotes
When it comes to getting the best car insurance policy, comparing quotes is a crucial step. By doing so, you can ensure that you are getting the coverage you need at the best possible price. In this section, we will guide you on how to compare car insurance quotes effectively, helping you make an informed decision.
Gathering Relevant Information
Before you start comparing car insurance quotes, it’s essential to gather all the relevant information about your vehicle, driving record, and coverage preferences. This includes details such as:
- Vehicle make, model, and year
- Vehicle identification number (VIN)
- Driver’s license information
- Driving history, including accidents and traffic violations
- Preferred coverage limits and deductibles
Gathering this information beforehand will help you provide accurate details to insurance companies and receive accurate quotes in return.
Researching the Best Car Insurance Companies in SA
Not all car insurance companies are created equal. It’s important to research and identify reputable insurers who offer competitive rates and excellent customer service. Look for companies with positive customer reviews, strong financial stability, and a variety of coverage options.
Some popular car insurance companies in South Africa include:
- Hollard Insurance
- OUTsurance
- Santam
- Discovery Insure
Take the time to visit each company’s website, read customer testimonials, and compare the coverage options they provide. This research will give you a better understanding of which insurers to consider when comparing car insurance quotes.
Utilizing Online Comparison Tools
In the digital age, comparing car insurance quotes has never been easier. Online comparison tools allow you to receive multiple quotes from different insurers with just a few clicks. These tools eliminate the need to individually contact each insurance company, saving you time and effort.
Popular online comparison tools in South Africa include:
“Justmoney’s car insurance comparison tool is a great resource for South African drivers. It provides an easy-to-use platform that allows users to compare quotes and find the best car insurance coverage for their needs.” – Jessica Thompson, Financial Advisor
By utilizing these online comparison tools, you can quickly compare the rates and coverage options offered by different insurers, making it easier to find the most suitable car insurance policy.
Customizing Coverage Options
While comparing car insurance quotes, it’s important to consider your specific coverage needs. Every driver has different requirements and preferences when it comes to car insurance. Ensure that the quotes you receive include the coverage limits and deductibles you desire.
Some coverage options to consider include:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Personal injury protection
Customizing your coverage options will help you tailor your car insurance policy to your unique needs. Remember to strike a balance between affordability and sufficient coverage.
Example Table: Comparing Car Insurance Quotes
| Insurance Company | Annual Premium | Coverage Limits | Deductibles |
|---|---|---|---|
| Hollard Insurance | R4,500 | R500,000 | R2,500 |
| OUTsurance | R3,800 | R750,000 | R1,000 |
| Santam | R5,200 | R1,000,000 | R2,000 |
| Discovery Insure | R4,000 | R500,000 | R1,500 |
Comparing car insurance quotes allows you to see the differences in annual premiums, coverage limits, and deductibles offered by different insurance companies. Use this example table as a reference to compare quotes and find the best car insurance policy for your needs.
Evaluating Car Insurance Companies
When choosing a car insurance company, it’s important to evaluate various factors to ensure you get the best coverage for your needs. Below, we highlight five key areas to consider when evaluating car insurance companies:
Financial Stability
One of the essential aspects to assess is the financial stability of the car insurance company. A financially stable insurer is more likely to honor claims and provide consistent coverage, ensuring your peace of mind. Look for companies with strong credit ratings and a reputation for financial stability.
Customer Service
Good customer service can make all the difference when dealing with a car insurance claim. Look for companies that prioritize customer satisfaction and have a reputation for excellent service. Read customer reviews and consider reaching out to the company’s customer support to gauge their responsiveness and helpfulness.
Coverage Options
Car insurance needs can vary greatly depending on individual circumstances. Therefore, it’s important to assess the coverage options offered by insurance companies. Look for insurers that offer a range of coverage options, including comprehensive, liability, and roadside assistance, so that you can customize your policy to suit your specific requirements.
Claims Process
When filing a claim, a smooth and efficient process is crucial. Research how different car insurance companies handle claims, paying attention to their turnaround time and overall claims satisfaction ratings. Look for insurers that have a straightforward claims process and a reputation for handling claims promptly and fairly.
Discounts and Incentives
Many car insurance companies offer discounts and incentives that can help you save on premiums. These can include safe driver discounts, multi-vehicle discounts, and loyalty rewards. When evaluating car insurance companies, inquire about the discounts and incentives they offer to maximize your savings.
Remember, evaluating car insurance companies involves considering factors such as financial stability, customer service, coverage options, claims process, and available discounts and incentives. Taking the time to research and compare different companies will help you make an informed decision and find the right car insurance coverage for you.
Car Insurance Company Comparison
| Company | Financial Stability | Customer Service | Coverage Options | Claims Process | Discounts and Incentives |
|---|---|---|---|---|---|
| Company A | ★★★★★ | ★★★★☆ | ★★★★☆ | ★★★☆☆ | ★★★☆☆ |
| Company B | ★★★★☆ | ★★★★★ | ★★★★★ | ★★★★☆ | ★★★★☆ |
| Company C | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★★★ | ★★★☆☆ |
| Company D | ★★★★☆ | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★★☆ |
Note: The ratings in the table are based on overall industry assessments and may vary based on individual experiences and preferences.
Policy Wording and Exclusions
When purchasing car insurance, it is crucial to carefully review and understand the policy wording. This document outlines the terms and conditions of coverage, ensuring that both the insured and the insurance company have a clear understanding of their rights and obligations.
One important aspect to consider is the exclusions stated in the policy. Exclusions are specific situations or conditions in which the insurance coverage does not apply. It is vital to be aware of these exclusions to avoid potential gaps in coverage and unexpected expenses.
Acts of negligence, such as driving under the influence or reckless driving, are often excluded from coverage. Insurance companies expect policyholders to act responsibly and adhere to traffic laws. Violating these laws can nullify your coverage in the event of an accident or damage to your vehicle.
Additionally, unlicensed driving is typically considered an exclusion. Operating a vehicle without a valid driver’s license is illegal and poses significant risks to both the driver and others on the road. If involved in an accident while driving without a license, insurance companies may deny coverage.
Participation in illegal activities is also usually excluded. This includes using your vehicle for purposes such as smuggling contraband, engaging in street racing, or any other illegal acts. Insurance policies are designed to provide coverage for lawful activities, and engaging in illegal actions violates the terms of the policy.
It is essential to read the policy wording thoroughly to understand what is covered and what is not. If you have any questions or concerns about the exclusions, it is advisable to reach out to your insurance provider for clarification.
Remember, being informed about the policy wording and exclusions will help you make an informed decision when selecting car insurance. It is better to know the limitations of your coverage upfront to avoid any surprises down the road.
Common Exclusions in Car Insurance Policies
| Exclusion | Description |
|---|---|
| Acts of negligence | Driving under the influence, reckless driving, etc. |
| Unlicensed driving | Operating a vehicle without a valid driver’s license |
| Illegal activities | Using the vehicle for smuggling, street racing, etc. |
Understanding the policy wording and exclusions ensures that you have adequate coverage and helps you avoid any potential disputes with the insurance company in the future. Take the time to review your policy carefully and consult with your insurance provider if you have any doubts or questions.
Auto Insurance Rates in 2023 and 2024
When it comes to auto insurance, understanding the current and future rates can be crucial in making informed decisions. In this section, we will provide you with data on auto insurance rates in 2023 and predictions for potential rate increases in 2024. It’s important to stay informed about these trends as they directly impact your premium costs.
Auto insurance rates can vary based on several factors such as your age, driving record, location, and the type of vehicle you own. Insurance providers use a combination of these factors to determine your risk level and calculate your premium.
While it’s difficult to predict the exact changes in rates for 2024, there are several factors to consider. One key factor is the rising costs of vehicle repairs and medical expenses. As these costs increase, insurance providers may adjust their rates to cover the potential higher expenses.
The good news is that you have some control over your auto insurance rates. Shopping around and comparing quotes from different insurance companies is essential in finding the most competitive rates. By taking the time to shop around, you can potentially save money on your premiums.
Online comparison tools can be incredibly helpful in this process. They allow you to enter your information once and receive quotes from multiple insurance providers instantly. With these tools, you can easily compare coverage limits, deductibles, and premium costs to find the best option for your needs.
Average Annual Auto Insurance Premiums in South Africa
| Year | Car Insurance Premiums |
|---|---|
| 2021 | R8,000 |
| 2022 | R8,500 |
| 2023 | R9,000 |
| 2024 (predicted) | R9,500 |
This table provides a snapshot of average annual auto insurance premiums in South Africa over the past few years and a prediction for 2024. Please note that these figures are for illustrative purposes and may vary based on individual circumstances.
By staying informed about auto insurance rates and taking the time to shop around, you can ensure that you’re getting the best coverage at the most competitive pricing. Don’t hesitate to explore different insurance options and utilize online tools to simplify your search for affordable auto insurance.
Finding the Best Auto Insurance Rates in 2024
When it comes to auto insurance rates in 2024, it’s important to be proactive in your search for the best coverage at the most affordable price. By shopping around and comparing quotes, you can ensure that you’re getting the best possible deal. Here are some tips and strategies to help you find the best auto insurance rates next year:
1. Shopping Around
Don’t settle for the first insurance company you come across. Take the time to explore your options and gather quotes from different providers. Each insurer uses their own unique criteria to determine rates, so shopping around can help you uncover hidden gems that offer competitive premiums.
2. Comparing Quotes
Once you’ve collected quotes, take the time to compare them thoroughly. Look beyond the premium cost and consider the coverage limits and deductibles offered by each insurer. Be sure to choose a policy that not only fits your budget but also provides adequate protection for your specific needs.
3. Utilizing Auto Insurance Discounts
Many insurance companies offer various discounts that can help lower your premium rates. Common discounts include good driver discounts, multi-policy discounts (such as bundling your auto insurance with your home insurance), and discounts for safety features installed in your vehicle. Make sure to inquire about these discounts and take advantage of them to reduce your insurance costs.
4. Raising Your Deductible
Increasing your deductible is a strategy that can lead to lower premium rates. By raising the amount you pay out of pocket in the event of a claim, you show the insurer that you are willing to take on a higher level of risk. This can result in lower monthly premiums. Just make sure you’re comfortable with the deductible amount you choose, as you will need to cover that cost if an accident occurs.
By following these tips and strategies, you can maximize your chances of finding the best auto insurance rates in 2024. Remember, the key is to be proactive, do your research, and make informed choices. Don’t hesitate to reach out to insurance providers directly or work with a reputable insurance broker who can help guide you through the process.
Now that you know how to navigate the search for auto insurance rates, let’s explore some emerging trends in the car insurance industry that can further impact rates and coverage options.
Emerging Trends in the Car Insurance Industry
The car insurance industry is constantly evolving, adapting to advancements in technology and changing customer needs. In this section, we will explore some of the emerging trends that are reshaping the landscape of car insurance in South Africa and beyond.
Data-Driven Personalization
One of the key trends revolutionizing the car insurance industry is data-driven personalization. Insurers are leveraging vast amounts of customer data to offer tailored insurance solutions. By analyzing driving behavior, demographics, and other relevant data points, insurers can provide personalized premiums and coverage options. This approach not only allows for fairer pricing but also enables insurers to incentivize safer driving habits.
Integration of Connected Cars and Telematics Technology
The rise of connected cars and telematics technology has had a profound impact on the car insurance industry. Telematics devices, installed in vehicles, collect real-time data on driving behavior, allowing insurers to assess risk more accurately. By monitoring factors such as speed, acceleration, and braking patterns, insurers can reward safe drivers with lower premiums. This technology promotes safer driving and enables insurers to offer usage-based or pay-as-you-go insurance options.
Importance of Automation
Automation is transforming various sectors, including the car insurance industry. Insurers are adopting automated processes for policy issuance, claims processing, and customer service, enhancing efficiency and reducing manual errors. Automated underwriting systems can quickly assess risk factors, determine coverage eligibility, and generate quotes. Additionally, chatbots and virtual assistants are being employed to provide immediate assistance and streamline customer interactions. Automation not only improves operational efficiency but also enhances the customer experience.
| Insurtech Innovations | Impact |
|---|---|
| Data Analytics | Insurers can gain valuable insights from data analysis, enabling them to identify trends, manage risk, and develop customized insurance products. |
| Artificial Intelligence | AI-powered algorithms can process large amounts of data, detect fraud, and automate claims processing, resulting in faster and more accurate insurance operations. |
| Blockchain Technology | Blockchain ensures transparency, security, and immutability in insurance transactions, reducing fraud and enabling faster claim settlements. |
| Usage-Based Insurance | Telematics technology allows insurers to offer usage-based insurance, where premiums are based on individual driving behavior, promoting responsible driving and fairer pricing. |
Note: The table above highlights some of the key insurtech innovations transforming the car insurance industry.
These emerging trends in the car insurance industry are driving innovation, improving customer experiences, and transforming the way insurers operate. As technology continues to advance and customer demands evolve, the car insurance landscape will continue to evolve, providing new opportunities for insurers and policyholders alike.
AI-Driven Startups Transforming the Auto Insurance Landscape
In today’s rapidly evolving car insurance industry, AI-driven startups are playing a pivotal role in revolutionizing traditional practices. These innovative companies leverage advanced technologies like artificial intelligence and data analytics to enhance efficiency, accuracy, and customer satisfaction. Let’s explore some prominent AI-driven startups that are reshaping the auto insurance landscape:
Lemonade
Lemonade, an insurtech company founded in 2015, has made significant strides in transforming the insurance experience through AI. By using machine learning algorithms, Lemonade’s platform offers a simplified and streamlined insurance process. Their AI-powered chatbots efficiently handle customer queries and claims, providing quick responses and personalized assistance. Lemonade’s commitment to transparency and digital-first approach has positioned them as a disruptive force in the insurance market.
Shift Technology
Shift Technology specializes in fraud detection and claims automation for the insurance industry. Their AI-based platform analyzes large volumes of data to identify patterns and anomalies that signify potential fraudulent activities. By automating the claims investigation process, Shift Technology helps insurance companies mitigate risks, reduce losses, and optimize operations. Their solution combines machine learning algorithms and data visualization tools to provide actionable insights, empowering insurers to make informed decisions.
Root Insurance
Root Insurance stands out in the market for its usage-based insurance model, which leverages telematics technology to determine policy pricing. By tracking key driving metrics such as speed, braking, and mileage through a mobile app, Root Insurance creates personalized policies tailored to individual driver behavior. Utilizing AI algorithms to analyze data collected from drivers, Root Insurance can accurately assess risk profiles and offer more competitive premiums, making insurance more accessible and affordable for consumers.
| AI-Driven Startup | Key Features |
|---|---|
| Lemonade | AI-powered chatbots Streamlined insurance process Transparency and digital-first approach |
| Shift Technology | Fraud detection and claims automation Machine learning algorithms Data visualization tools |
| Root Insurance | Usage-based insurance model Telematics technology Personalized policies based on driver behavior |
These AI-driven startups are reshaping the auto insurance landscape by leveraging advanced technologies to deliver more efficient and personalized solutions. As the industry continues to evolve, the integration of AI and data analytics will play a crucial role in enhancing customer experiences and driving innovation in the insurance sector.
Conclusion
Choosing the right auto insurance company is crucial for protecting your vehicle and your financial well-being. Throughout this article, we have highlighted the importance of affordability and top ratings when selecting the best auto insurance coverage. By considering these factors, you can ensure that you receive the necessary protection without compromising your budget.
When evaluating auto insurance companies, be sure to compare premiums, coverage options, and customer satisfaction ratings. Look for providers that have a track record of financial stability and a reputation for excellent customer service. Additionally, consider any available discounts and incentives that can further enhance affordability.
Remember to review the policy wording carefully to understand any exclusions that may affect your coverage. Pay attention to acts of negligence, unlicensed driving, or illegal activities that may not be covered. By being familiar with the details of your policy, you can make informed decisions and avoid unexpected surprises when filing a claim.
Ultimately, finding the best auto insurance company is a personal decision. Consider your individual needs and budget before making a final choice. By prioritizing affordability and top ratings, you can have the peace of mind knowing that you are protected by a reliable and reputable auto insurance provider.
FAQ
What are the top picks for the best auto insurance in 2023?
The top picks for the best auto insurance in 2023 include insurance companies that offer affordability and top ratings. These companies provide competitive premiums, extensive coverage options, and excellent customer satisfaction. By comparing car insurance quotes, you can find the best auto insurance company that suits your needs and budget.
How does car insurance work in South Africa?
Car insurance in South Africa works by paying a premium to an insurance company in exchange for financial protection in case of accidents, theft, or other covered events. The premium amount is based on factors such as the value of the car, the insured’s driving record, and the type of coverage chosen. In case of a claim, the insured pays a deductible before the insurance company covers the remaining costs up to the coverage limits.
What are the different types of car insurance coverage options?
There are several types of car insurance coverage options available, including:
- Third party car insurance: Covers liability for damage to third-party vehicles or property.
- Comprehensive car insurance: Provides coverage for damage to your vehicle caused by accidents, theft, or natural disasters.
- Collision coverage: Covers damage to your vehicle when involved in a collision with another vehicle or object.
- Theft coverage: Protects against theft or attempted theft of your vehicle.
How can I compare car insurance quotes effectively?
To compare car insurance quotes effectively, follow these steps:
- Gather relevant information about your car, driving record, and coverage preferences.
- Research and compare quotes from multiple car insurance companies.
- Utilize online comparison tools to easily compare rates and coverage options.
- Customize coverage limits and deductibles to see how they affect the premiums.
What factors should I consider when evaluating car insurance companies?
When evaluating car insurance companies, consider the following factors:
- Financial stability: Ensure the company has the financial resources to pay claims.
- Customer service quality: Look for a company with good customer reviews and prompt claims handling.
- Coverage options: Check if the company offers the coverage options you need.
- Claims process: Evaluate the ease and efficiency of the claims process.
- Discounts and incentives: Look for companies that offer discounts or incentives for safe driving or bundling policies.
What should I consider when reading the policy wording and exclusions?
When reading the policy wording, pay attention to exclusions that may affect coverage. Examples of exclusions include acts of negligence, unlicensed driving, or participation in illegal activities. Understanding these exclusions is crucial to ensure you have the appropriate coverage in different situations.
How are auto insurance rates expected to change in 2024?
While it is difficult to predict exact rate changes for auto insurance in 2024, there is the potential for increases due to factors such as inflation and rising costs of repairs. To mitigate the impact of rate increases, it is recommended to shop around and compare auto insurance rates regularly to find the best possible price for your coverage.
How can I find the best auto insurance rates in 2024?
To find the best auto insurance rates in 2024, you can:
- Shop around and compare quotes from different insurance companies.
- Utilize auto insurance discounts, such as good driver discounts or bundling policies.
- Consider raising your deductible to lower your premiums.
What are the emerging trends in the car insurance industry?
The car insurance industry is experiencing several emerging trends, including:
- Data-driven personalization: Insurance companies are utilizing data to offer customized policies based on individual driving habits and risk profiles.
- Integration of connected cars and telematics technology: Technology such as IoT and telematics devices are used to gather data on driving behavior, allowing for more personalized and usage-based insurance plans.
- Automation: Insurance processes are becoming increasingly automated, streamlining operations and improving efficiency.
- Insurtech innovations: Startups are integrating AI and data analytics to provide innovative insurance solutions and enhance the insurance experience for customers.
How are AI-driven startups transforming the auto insurance landscape?
AI-driven startups such as Lemonade, Shift Technology, and Root Insurance are transforming the auto insurance landscape by leveraging AI and data analytics. These startups utilize AI algorithms to streamline the claims process, detect fraudulent activities, and offer more personalized policies based on data insights. This technology-driven approach enhances operational efficiency and improves customer satisfaction.
Source Links
- https://www.fool.com/the-ascent/insurance/auto/articles/these-are-the-8-auto-insurance-providers-that-had-the-best-rates-in-2023/
- https://finance.yahoo.com/news/15-best-car-insurance-companies-155033184.html
- https://mahindra.co.za/2023/11/06/best-car-insurance-in-sa-our-top-picks/
