Car insurance has never been more important than it is today. South African roads are more congested than ever with thousands of new cars and drivers merging onto existing traffic patterns on a daily basis, and all these new drivers need insurance. You need to protect your car against the possibility of a disaster like a serious accident, a write-off, theft, or hijacking, and that's where car insurance comes in.

The most affordable way to insure your car is to go direct and use a direct insurance provider without the assistance of an insurance broker. You can use a company like Dial Direct, well known for competitive rates when it comes to car insurance, but before you do that it helps to know the basic facts since you are going to do the work of finding a provider on your own, thereby cutting down on your expenses.

The amount that you have to pay the insurance company on a monthly basis is known as your premium, and for car insurance this amount will vary depending on your age, experience behind the wheel, past driving record, and the car you drive. The insurance company like Dial Direct absorbs the risk of your car on our dangerous and busy roads, and you need to prove to them that you are a safe and dependable driver. Once you have built up a solid driving record your car insurance premiums are lowered even further.

Perhaps you are paying too much for your car insurance right now? If you have an excellent record but your exisiting policy is several years old chances are you're spending too much on car insurance. The reason is that new direct insurance companies have sprung up in recent years in South Africa, offering deeply discounted rates for drivers. Take advantage today!