Best Car Insurance in Pickens, West Virginia

If you're a Pickens, West Virginia resident seeking the best protection for your vehicle, you've landed in the right place. Car insurance is not just a legal requirement; it's your safety net on the unpredictable roads of our beloved Pickens. Let's dive into the world of car insurance in Pickens, exploring options, considerations, and how you can make the most informed choices.

Understanding the Landscape

Car insurance in Pickens, West Virginia is a multifaceted landscape. Whether you're a daily commuter navigating the bustling streets or a weekend explorer enjoying the scenic drives, having comprehensive coverage is paramount. It ensures financial protection and peace of mind.

When delving into the car insurance market, it's essential to comprehend the basics. Liability coverage addresses third-party injuries and property damage, while collision and comprehensive coverage cater to damages to your vehicle. Striking the right balance between these components is key to tailor-fitting your insurance to your unique needs.

Navigating the Market

In Pickens, a plethora of insurance providers vie for your attention. Giants like State Farm, GEICO, and USAA have a substantial presence, each offering distinct advantages. As you explore your options, consider factors beyond premiums. Evaluate customer reviews, financial stability, and coverage flexibility to make an informed decision.

Securing Affordable Protection

Affordability is a crucial factor in selecting the right car insurance. To find the sweet spot between cost and coverage, explore discounts offered by insurers. Bundling policies, maintaining a clean driving record, and leveraging available discounts can significantly reduce your premiums.

As you navigate through the online realm for quotes, ensure that your information is accurate. Use tools provided by insurance companies to generate precise quotes that reflect your driving profile and coverage preferences.

Tailoring Coverage to Your Needs

Car insurance isn't one-size-fits-all. Explore specialized coverage options based on your unique circumstances. Temporary insurance is ideal for those in Pickens for a short duration, while classic car enthusiasts may benefit from policies catering specifically to vintage vehicles.

Ensuring Local Relevance

Pickens, West Virginia has its traffic nuances and local regulations. Ensure your chosen car insurance aligns with these specifics. Understanding local considerations guarantees that your coverage is not only comprehensive but also adheres to regional laws.

Scroll for the Unveiling of Exclusive Insights!

Curious to know more about finding the perfect car insurance in Pickens, West Virginia? Scroll down to uncover exclusive insights, tips, and expert advice that will revolutionize the way you approach car insurance.

As you scroll, get ready to unlock premium value. Our comprehensive guide goes beyond the basics, delving into advanced strategies to maximize your car insurance benefits. Whether you're a first-time car owner or a seasoned driver, there's something valuable waiting for you.

The Ultimate Guide to Car Insurance in Pickens, West Virginia

Decoding Policy Types: Which One Suits You?

Embark on a journey into the intricacies of policy types. Understand the differences between liability, full coverage, and specialty policies, empowering yourself to choose the ideal coverage for your unique needs.

Expert Insights and Practical Tips

Scroll deeper to access expert insights and practical tips that can redefine your approach to car insurance. Uncover hidden gems of information, explore real-life scenarios, and equip yourself with the knowledge to secure the best car insurance in Pickens, West Virginia.

Car Insurance in Pickens, West Virginia

Unlock the secrets of car insurance in Pickens, West Virginia. Our in-depth guide provides expert insights, tips, and exclusive information to help you find the perfect coverage. Discover more as you scroll through our comprehensive guide.

Conclusion:

Your journey to finding the best car insurance in Pickens, West Virginia begins here. Scroll, explore, and empower yourself with the knowledge to make informed decisions. Your vehicle deserves the utmost protection, and our guide ensures you navigate the car insurance landscape with confidence.

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• Best Cheap Car Insurance in Singapore 2024

• Buying a car insurance policy can be a lengthy, complex and an expensive undertaking. We made it simple. Use our in-depth comparison of dozens of motor insurance policies below to find what works best for your budget, car type and desired coverage whether you are a seasoned driver or just got your first car.

• Compare the Cheapest Car Insurance Plans in Singapore

• To find the cheapest car insurance plans we compared premiums for a driver of a 2020 Toyota Corolla Altis from all the car insurers available in Singapore. By changing variables, such as gender, years of driving experience, NCD discounts and car types, we were able to find which car insurers offer the most competitive prices for different types of drivers. While some prioritize keeping their premiums as low as possible by providing basic coverage, others balance affordable prices with comprehensive benefits.

• Compare the Cheapest Car Insurance Plans in Singapore

• To find the cheapest car insurance plans, we compared premiums for a driver of a 2020 Toyota Corolla Altis from all the car insurers available in Singapore. By changing variables, such as gender, years of driving experience, NCD discounts and car types, we were able to find which car insurers offer the most competitive prices for different types of drivers. While some prioritize keeping their premiums as low as possible by providing basic coverage, others balance affordable prices with comprehensive benefits.

• Cheapest Car Insurance: Budget Direct Comprehensive

• Budget Direct's Comprehensive car insurance plan is the best option for sedan and SUV owners who require basic protection and want to pay as little as possible.

• Budget's plan is one of cheapest available, with a typical car insurance quote averaging 48-54% cheaper than the average comprehensive plan for sedan and SUV drivers, regardless of no claim discount (NCD). However, this price cut comes at a cost. Budget Direct's medical, personal accident and roadside assistance coverage comes at an extra cost. Nonetheless, the base premium is low enough that drivers can choose the coverage that matters to them and still pay super low prices.

• Budget Direct has two options to choose from if you need to insure multiple drivers. The Named Driver plan covers the main driver and the named drivers you add to your plan. The Authorised Driver plan costs 15% more than the Named Driver plan but will cover anyone who you let drive your car. Due to the low prices, the Authorised plan still remains competitively priced option for drivers who lend out their car often. Budget Direct's low named young and inexperienced driver excess of S$500 each also makes it a great option for parents who want to insure their younger drivers.

• Budget Direct's Comprehensive car insurance plan is the best option for sedan and SUV owners who require basic protection and want to pay as little as possible.

• Budget's plan is one of cheapest available, with a typical car insurance quote averaging 48-54% cheaper than the average comprehensive plan for sedan and SUV drivers, regardless of no claim discount (NCD). However this price cut comes at a cost. Budget Direct's medical, personal accident and roadside assistance coverage comes at an extra cost. Nonetheless, the base premium is low enough that drivers can choose the coverage that matters to them and still pay rock-bottom prices.

• Budget Direct has two options to choose from if you need to insure multiple drivers. The Named Driver plan covers the main driver and the named drivers you add to your plan. The Authorised Driver plan costs 15% more than the Named Driver plan but will cover anyone who you let drive your car. Due to the low prices, the Authorised plan still a remains competitively priced option for drivers who lend out their car often. Budget Direct's low named young and inexperienced driver excess of S$500 each also makes it a great option for parents who want to insure their younger drivers.

• Flexible Coverage & Lifetime Repair Guarantee: Allianz Motor Protect

• While Allianz Motor Protect is not the most robust motor insurance plan out there, you will find that it covers common scenarios that you are likely to face. Best of all, its unmatched premiums make it an affordable choice for an average driver -- which are way below the average cost of a comprehensive car insurance plan in Singapore. With Allianz Motor Protect, you will get sufficient coverage without paying for unnecessary features that may only be situationally useful.

• Core features of Allianz Motor Protect include coverage for third-party property damage, third-party death or injury, car loss or damages, windshield repair and towing. Another stand-out feature is its low unnamed driver excess. At just S$500, you enjoy a low unnamed driver's excess rate. The only caveat is that the driver has to be above 27 years old with more than one year of driving experience. If these conditions are unfulfilled, the unnamed driver's excess rate is S$2,500.

• Moreover, Allianz Motor guarantees accident repairs for a lifetime. Own a top-end luxury car? You might not be comfortable repairing your vehicle at an authorised workshop. With Allianz Motor Protect's comprehensive plan, you can fix your vehicle after an accident at any workshop of your choice.

• While Allianz Motor Protect is not the most robust motor insurance plan out there, you will find that it covers common scenarios that you are likely to face. Best of all, its unmatched premiums make it an affordable choice for an average driver -- which are way below the average cost of a comprehensive car insurance plan in Singapore. With Allianz Motor Protect, you will get sufficient coverage without paying for unnecessary features that may only be situationally useful.

• Core features of Allianz Motor Protect include coverage for third-party property damage, third-party death or injury, car loss or damages, windshield repair and towing. Another stand-out feature is its low unnamed driver excess. At just S$500, you enjoy a low unnamed driver's excess rate. The only caveat is that the driver has to be above 27 years old with more than one year of driving experience. If these conditions are unfulfilled, the unnamed driver's excess rate is S$2,500.

• Moreover, Allianz Motor guarantees accident repairs for a lifetime. Own a top-end luxury car? You might not be comfortable repairing your vehicle at an authorised workshop. With Allianz Motor Protect's comprehensive plan, you can fix your vehicle after an accident at any workshop of your choice.

• Best Value Car Insurance: FWD Classic

• For families who want a well-balanced yet budget-friendly car insurance plan, FWD Classic is 10-20% cheaper than average for sedan drivers and 6% below average for SUV drivers, regardless of citizenship. The plan's coverage features high personal accident, medical and car replacement benefits, lump payments for surviving children and adjustable excess options for young drivers.

• FWD car insurance has a few notable benefits. First, it is the only insurer to offer a Lifetime NCD benefit when you reach 50% NCD, which lets you keep your no claim discount even when you file a claim. It also offers roadside assistance for accident and non-accident reasons (such as jump-starting your car). Lastly, FWD pays up to the market value of your car in the event of an accident. It also pays for its parts, fitting the parts and transporting the parts to Singapore if the accident were to happen in other countries. The recent addition of flood coverage and the ability to add named drivers at no additional cost (after the first one) makes FWD an insurer that provides generous coverage for nearly unbeatable prices.

• For families who want a well-balanced yet budget-friendly car insurance plan, FWD Classic is 10-20% cheaper than average for sedan drivers and 6% below average for SUV drivers, regardless of citizenship. The plan's coverage features high personal accident, medical and car replacement benefits, lump payments for surviving children and adjustable excess options for young drivers.

• FWD car insurance has a few notable benefits. First, it is the only insurer to offer a Lifetime NCD benefit when you reach 50% NCD, which lets you keep your no claim discount even when you file a claim. It also offers roadside assistance for accident and non-accident reasons (such as jump-starting your car). Lastly, FWD pays up to the market value of your car in the event of an accident. It also pays for its parts, fitting the parts and transporting the parts to Singapore if the accident were to happen in other countries. The recent addition of flood coverage and the ability to add named drivers at no additional cost (after the first one) makes FWD an insurer that provides generous coverage for nearly unbeatable prices.

• Cheapest Car Insurance for Young Drivers: Singlife Lite

• For drivers aged 25-30 who want a cheap car insurance policy with great coverage for their belongings and car accessories, Singlife's Lite plan can be a great option. It costs around 30% less than average for the aforementioned age bracket, making it one of the cheapest plans on the market for young drivers, even with the S$2,500 young/inexperienced driver excess. MINDEF/MHA customers may see the greatest savings with this insurer, since Singlife offers an additional 15% off on top of current promotions. For more savings, you can opt for Singlife's 2 year plan that allows you to lock in a price at a 5% discount.

• Singlife's child seat and unlimited car accessory (e.g. satellite navigation, radar detection) coverage is sure to impress drivers of accessory-laden cars. Singlife also covers damage from natural disasters and offers coverage for sunroofs, moon-roofs and other glass installations on your car. While other insurers charge extra for these benefits, Singlife includes them as part of their core plan, making Singlife attractive for those who want a cheap plan without sacrificing coverage. If you want to customise your coverage, there is also optional coverage for loss of keys, loss of use (replacement car) and additional personal accident protection.

• For drivers aged 25-30 who want a cheap car insurance policy with great coverage for their belongings and car accessories, Singlife's Lite plan can be a great option. It costs around 30% less than average for the aforementioned age bracket, making it one of the cheapest plans on the market for young drivers, even with the S$2,500 young/inexperienced driver excess. MINDEF/MHA customers may see the greatest savings with this insurer, since Singlife offers an additional 15% off on top of current promotions. For more savings, you can opt for Singlife's 2 year plan that allows you to lock in a price at a 5% discount.

• Singlife's child seat and unlimited car accessory (e.g. satellite navigation, radar detection) coverage is sure to impress drivers of accessory-laden cars. Singlife also covers damage from natural disasters and offers coverage for sunroofs, moon-roofs and other glass installations on your car. While other insurers charge extra for these benefits, Singlife includes them as part of their core plan, making Singlife attractive for those who want a cheap plan without sacrificing coverage. If you want to customise your coverage, there is also optional coverage for loss of keys, loss of use (replacement car) and additional personal accident protection.

• Best Car Insurance Promotion: Etiqa Comprehensive

• Experienced married drivers who can take full advantage of all of Etiqa's promotions at once can save up to 25% on their car insurance premium, resulting in car insurance premiums that are 4-5% lower than the average comprehensive plan for sedan drivers. Etiqa offers solid coverage including personal accident and medical coverage, towing expenses and loss of use benefits (if your car is at the workshop after an accident). For an additional fee, you can also protect your sun/moon roof or solar film.

• This plan is best for older, experienced drivers for a few reasons. First, Etiqa has a pricey young/inexperienced driver excess of S$2,000. Furthermore, its premiums are not as competitive for drivers with a low or nonexistent No Claim Discount or young drivers. Lastly, because it lacks accident coverage for your passengers, it may not be ideal for drivers who lack experience navigating Singapore's potentially risky roads.

• If you want to take full advantage of Etiqa's promotions, you should try buying Etiqa's insurance on Fridays as they have an additional 5% off every Friday. Safe drivers will also benefit from an additional 5% demerit discount, which may increase the wiggle room to add an add-on that you find valuable.

• Experienced married drivers who can take full advantage of all of Etiqa's promotions at once can save up to 25% on their car insurance premium, resulting in car insurance premiums that are 4-5% lower than the average comprehensive plan for sedan drivers. Etiqa offers solid coverage including personal accident and medical coverage, towing expenses and loss of use benefits (if your car is at the workshop after an accident). For an additional fee, you can also protect your sun/moon roof or solar film.

• This plan is best for older, experienced drivers for a few reasons. First, Etiqa has a pricey young/inexperienced driver excess of S$2,000. Furthermore, its premiums are not as competitive for drivers with a low or nonexistent No Claim Discount or young drivers. Lastly, because it lacks accident coverage for your passengers, it may not be ideal for drivers who lack experience navigating Singapore's potentially risky roads.

• If you want to take full advantage of Etiqa's promotions, you should try buying Etiqa's insurance on Fridays as they have an additional 5% off every Friday. Safe drivers will also benefit from an additional 5% demerit discount, which may increase the wiggle room to add an add-on that you find valuable.

• Most Comprehensive Car Insurance

• If you want the most comprehensive and generous car insurance plan, we found the insurers featured below to offer the best coverage for sedans. These insurers offer top-tier plans focusing on delivering excellent coverage with plenty of unique benefits and features.

• Best All-Around Coverage: FWD Prestige

• For affluent families who want convenient accident reporting and belongings coverage, FWD's Prestige plan can deliver above average coverage for towing, disability, medical and personal accident coverage.

• FWD Prestige also offers a courtesy car for up to three months and S$2,000 of coverage covers for personal belongings and car accessories if your vehicle gets stolen. Additionally, once you receive a 50% NCD, you are guaranteed to keep it for as long as you stay with FWD, regardless of claims.

• Some smaller perks include emergency roadside assistance, $80 per occupant taxi coverage after an accident, payment for your children in the event of a catastrophic car accident and legal costs coverage for damaged caused by your car. What makes this plan even better is its 20% cheaper-than-average premium for sedans and 15% cheaper-than-average premium for SUVs.

• For affluent families who want convenient accident reporting and belongings coverage, FWD's Prestige plan can deliver above average coverage for towing, disability, medical and personal accident coverage.

• FWD Prestige also offers a courtesy car for up to three months and S$2,000 of coverage covers for personal belongings and car accessories if your vehicle gets stolen. Additionally, once you receive a 50% NCD, you are guaranteed to keep it for as long as you stay with FWD, regardless of claims.

• Some smaller perks include emergency roadside assistance, $80 per occupant taxi coverage after an accident, payment for your children in the event of a catastrophic car accident and legal costs coverage for damaged caused by your car. What makes this plan even better is its 20% cheaper-than-average premium for sedans and 15% cheaper-than-average premium for SUVs.

• Highest Coverage for Families: Singlife Prestige

• Singlife Prestige is the best car insurance for families, especially those who have just bought a car and want maximum peace of mind benefits. Its prices are quite affordable — costing 10-15% below average for married drivers in addition to a young/inexperienced driver (YIDR) excess waiver.

• The lack of a YIDR excess makes it especially valuable for parents who share their car with their kids, as they won't be liable for large out-of-pocket payments if their child gets into a car accident. Cash-strapped families who can't afford to sacrifice coverage can practice safe driving to get Singlife's 5% safe driver discount for NCD's of 50% or higher.

• Singlife's benefits are plentiful with a focus on repair and accident coverage including roadside assistance, towing, on-site accident reporting and medical coverage for you and your passengers. You and your family will also get a free ride home following an accident (provided towing is necessary). If you want even more coverage, you can add on loss of keys, loss of use and additional personal accident coverage.

• Singlife Prestige is the best car insurance for families, especially those who have just bought a car and want maximum peace of mind benefits. Its prices are quite affordable—costing 10-15% below average for married drivers in addition to a young/inexperienced driver (YIDR) excess waiver.

• The lack of a YIDR excess makes it especially valuable for parents who share their car with their kids, as they won't be liable for large out-of-pocket payments if their child gets into a car accident. Cash-strapped families who can't afford to sacrifice coverage can practice safe driving to get Aviva's 5% safe driver discount for NCD's of 50% or higher.

• Singlife's benefits are plentiful with a focus on repair and accident coverage including roadside assistance, towing, on-site accident reporting and medical coverage for you and your passengers. You and your family will also get a free ride home following an accident (provided towing is necessary). If you want even more coverage, you can add on loss of keys, loss of use and additional personal accident coverage.

• Best Car Insurance for Peace of Mind Benefits: Income Drivo Premium

• If you want peace of mind benefits and convenience with respect to accident protection, Income's Premium car insurance plan offers great accident coverage as well as some peace of mind services via its Orange Force service.

• With the Premium plan, you will get above average personal accident covers for drivers and passengers, coverage for natural disasters and theft and the choice of using any workshop. Additionally, you will have Income's Orange Force, a 24/7 accident response team which offers accident assistance including finding alternative transportation, removing vehicles and working in your best interests. This feature can be a great option for new drivers who would like additional legal and insurance assistance. Furthermore, because there is no extra excess for young and inexperienced drivers, Income can be a great option for first-time car buyers under 27 who have less than two years driving experience.

• If you want peace of mind benefits and convenience with respect to accident protection, Income's Premium car insurance plan offers great accident coverage as well as some peace of mind services via its Orange Force service.

• With the Premium plan, you will get above average personal accident covers for drivers and passengers, coverage for natural disasters and theft and the choice of using any workshop. Additionally, you will have Income's Orange Force, a 24/7 accident response team which offers accident assistance including finding alternative transportation, removing vehicles and working in your best interests. This feature can be a great option for new drivers who would like additional legal and insurance assistance.

• Furthermore, because there is no extra excess for young and inexperienced drivers, Income can be a great option for first-time car buyers under 27 who have less than two years driving experience.

• Best Car Insurance for Severe Accident Protection: MSIG MotorMax Plus

• MSIG's MotorMax Plus is a great car insurance plan for safe drivers who want to be completely protected against the financial ramifications of a severe accident. This is because MSIG offers all of the benefits that a safe and cautious driver would want if they were the victim of an unexpected accident that results in a severe injury/death or their car being totalled. This includes the most impressive S$100,000 car loan protection benefit, which will pay the outstanding loan on your vehicle if you were to pass away after a car accident. Furthermore, MotorMax Plus will also offer a new for old replacement if your car is less than 12 months old at the time of an accident and a transport allowance benefit (S$50 per day up to 10 days) if your car is at the auto shop for more than 3 days.

• Lastly, MotorMax Plus' personal accident benefits of S$100,000 for the driver and S$50,000 for the passengers is one of the highest personal accident benefit limits on the market and they offer medical benefits to the driver and passengers — a benefit that usually comes costing extra. Despite this coverage, MotorMax Plus can be quite competitively priced. For instance, while MotorMax Plus costs around S$30 above average when comparing across all the comprehensive plans on the market, we found that MotorMax Plus costs 5-11% below average compared to other top-tier comprehensive motor insurance plans for the same 50% NCD drivers.

• MSIG's MotorMax Plus is a great car insurance plan for safe drivers who want to be completely protected against the financial ramifications of a severe accident. This is because MSIG offers all of the benefits that a safe and cautious driver would want if they were the victim of an unexpected accident that results in a severe injury/death or their car being totalled. This includes the most impressive S$100,000 car loan protection benefit, which will pay the outstanding loan on your vehicle if you were to pass away after a car accident. Furthermore, MotorMax Plus will also offer a new for old replacement if your car is less than 12 months old at the time of an accident and a transport allowance benefit (S$50 per day up to 10 days) if your car is at the auto shop for more than 3 days.

• Lastly, MotorMax Plus' personal accident benefits of S$100,000 for the driver and S$50,000 for the passengers is one of the highest personal accident benefit limits on the market and they offer medical benefits to the driver and passengers — a benefit that usually comes costing extra. Despite this coverage, MotorMax Plus can be quite competitively priced. For instance, while MotorMax Plus costs around S$30 above average when comparing across all the comprehensive plans on the market, we found that MotorMax Plus costs 5-11% below average compared to other top-tier comprehensive motor insurance plans for the same 50% NCD drivers.

• Best Car Insurance for Experienced Drivers: HL Assurance Comprehensive

• If your focus is on maintaining your NCD (and being rewarded for it), HL Assurance's car insurance not only provides great all-around coverage but will also reward 50% NCD drivers with a 57% reduction on their premium — one of the highest NCD discounts on the market. Though it costs above average for non-NCD drivers, HL Assurance's premiums drop to around average if you hold a 50% NCD.

• While the price may not be the cheapest, it is worth noting that HL Assurance's benefits are quite generous. You will be covered for damage caused by anything from riots to natural disasters, receive daily transportation allowance and have the option of authorising minor repairs — a very rare and valuable feature.

• If your focus is on maintaining your NCD (and being rewarded for it), HL Assurance's car insurance not only provides great all-around coverage but will also reward 50% NCD drivers with a 57% reduction on their premium — one of the highest NCD discounts on the market. Though it costs above average for non-NCD drivers, HL Assurance's premiums drop to around average if you hold a 50% NCD.

• While the price may not be the cheapest, it is worth noting that HL Assurance's benefits are quite generous. You will be covered for damage caused by anything from riots to natural disasters, receive daily transportation allowance and have the option of authorising minor repairs — a very rare and valuable feature.

• How to Choose the Best Car Insurance Plan

• There are several things you should consider to get the best car insurance plan, ranging from the type of car insurance you'll need to your driving experience and budget. Car insurance is notoriously expensive, so the last thing you want to do is to purchase a plan that doesn't fit your needs.

• First, there are three types of car insurance policies: TPO, TPFT and comprehensive plans. Knowing the type of coverage you want, whether it is basic fire coverage or comprehensive coverage can narrow your search significantly. Second, when choosing a plan you should consider the type of car you have and your driving experience. For instance, drivers of luxury or European cars that require specialised servicing may fare better with a comprehensive car insurance plan that lets you choose your own workshop. Furthermore, drivers with modified cars will have to find an insurance plan that covers their car's modifications. New drivers may benefit more from a plan offering a plethora of accident-related benefits such as emergency assistance and medical coverage, while also keeping an eye out for the inexperienced/young driver excess. On the other hand, seasoned drivers may be better off with a plan providing simple but necessary coverage.

• Last, your budget is another thing to consider when choosing a great plan. However, while price can be an important factor, it should not be more important than the coverage you need. The cheapest plan may not be the best option if you are a new driver, the driver of a luxury vehicle or own a family car. If you want to save money on these more expensive options, you should compare rates from different insurers and look into increasing your NCD or signing up for a telematics plan where you get discounts based on good driving habits.

• Want to compare car insurance in real time without going to individual insurers? Use our quick, free and secure car insurance quote tool to find out which plans are the best fit for you.

• How Much Car Insurance Excess Should You Choose?

• Since the standard excess changes your annual premium, then the amount you choose should depend on whether you prefer to pay cheaper premiums or have less out of pocket costs. In general, the lower the excess, the higher your premium will be and vice versa. We found that on average, your annual premium increases between S$10 and S$20 for every S$100 excess decrease. Thus, if you don't mind paying a bit extra per year on your premiums, then you may be able to save hundreds of dollars in out of pocket costs should you get into an accident.

• It's worth keeping in mind that in some cases, you will have to pay an additional excess. This applies to drivers who are in their early 20's or those who have been driving for just a couple of years. In this case, you will have to pay the standard excess and the YIDR excess. Since the YIDR excess is a couple thousand dollars for most insurers, it could be worth decreasing your standard excess if you want to pay less out of pocket.

• How to Decrease Your Car Insurance Premiums

• The easiest way to decrease your car insurance premiums are to take advantage of promotions. Most insurers will offer some type of promotion at some point, where you can get discounts as high as 30% or vouchers for a couple hundred dollars. However, you should be careful about getting enticed by promotions without comparing premiums first. Some insurers may still be more expensive than others despite the discounts they are advertising.

• Alternatively, there are 4 other ways to reduce your car insurance premiums. The first is to buy a Third Party Fire & Theft or Third Party Only policy. However, this comes with drawbacks such as a much smaller breadth of coverage and it's not suitable for new cars that are younger than 10 years old. Another option is to maximise your No-Claim Discount (NCD), which can offer up to 50% off your premiums if you drive claim free for 5 years. Your safe driving habits will often come with a Certificate of Merit from the Singapore Traffic Police, which will add an additional 5% off your premiums.

• Lastly, you can register your car as off-peak. An off-peak car isn't allowed to drive between 7am to 7pm weekdays without a day pass or paying S$20 for a E Day Licence. However, you will save approximately 25% on your premiums and receive a rebate of up to S$17,000 and a S$500 discount on the annual road tax (subject to a minimum road tax of S$70 per year).

• Frequently Asked Questions

• Yes. Car insurance is compulsory in Singapore.

• A Third-Party Only (TPO) plan is the cheapest and most basic type of car insurance that only covers you for liability against the other party in the event of an accident. Third-Party, Fire & Theft (TPFT) plans cover liability and fire or theft and are more expensive than TPO plans but are around 10% cheaper than comprehensive plans. Both TPO and TPFT plans may be better options for drivers of cars over 10 years old. Comprehensive plans are the most expensive but are recommended for most drivers because they provide a wide breadth of benefits beyond liability and fire/theft such as personal accident, medical and car accessory coverage.

• While insurers have similar exclusions, it is worth reading the policy wordings to make sure you know what is and isn't covered by your specific policy. Below, you'll find some common things you won't be covered for.

• You can choose to pay the full amount (the annual premium) or if your insurer gives you the option, you can pay in monthly instalments.

• Yes. Your car insurance should cover you when driving in west Malaysia (including Penang) and in Southern Thailand as long as it is within 80 kilometres of its border with west Malaysia.

• Methodology

• To arrive at our decision for the best car insurance for the average driver, we collected data on car insurance quotes and benefits for a 45-year old male (the average Singaporean age) driver from 12 insurers. To find the average pricing for the average sedan and SUV, we averaged the policy premiums for 4 most popular sedan models (Honda Civic, Mazda 3, Hyundai Elantra and Toyota Corolla Altis) and the 3 most popular SUV models (Nissan Qashqai, Honda HR-V and Toyota Harrier) on the Singapore market. SUVs are generally more expensive than sedans due to their propensity for being riskier vehicles and male and female drivers saw different premiums, with females seeing cheaper pricing across the board. The premiums we compared were for the base plans without any add-ons. This is because each insurer provides different benefits and there is not enough data to assume that the average driver chooses particular benefits.

• Additionally, we took into consideration whether an employment pass holder and other foreigners could purchase the car insurance and whether or not their premiums would increase. Thus, the insurers mentioned above consistently won across all driver profiles as either being the cheapest or most comprehensive.

• Additional Resources

• Looking for more car insurance and car ownership guides? Check out our articles below.

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• Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

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