How To Get Car Insurance Quotes For High-risk Drivers – Not sure where to find the best car insurance quotes? We are here to help you. From traditional internal combustion engine (ICE) vehicles to the latest electric vehicles (EV), our team of auto insurance experts will guide you through a simple step-by-step process of comparing and choosing the best car plan for you. Here’s some information to get you started.
If you find it difficult to download and compare policy booklets side by side, our smart system can do the comparison for you. Answer a few questions online and we’ll get you there.
How To Get Car Insurance Quotes For High-risk Drivers
After providing your answers, one of our insurance professionals may contact you to explain your needs and options. Take this opportunity to ask our experts all the interesting questions you have about car insurance!
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After speaking with our insurance experts, considering your options and your financial planning, you can apply for your car insurance plan with the help of our guidance.
Auto insurance (also known as car insurance or car insurance) provides coverage for the car and driver in the event of an injury, a motor vehicle accident, or if the driver is responsible for the injury of another person.
Having car insurance protects you and all parties involved in a car accident in several ways. These benefits include low no-claims (NCD) fines, a 24-hour helpline and emergency team, reliable access to a workshop, a new car trade-in, and even an extra fee for young and inexperienced drivers and windshields.
The best car insurance for you is the one that meets your needs. Here are some insurance companies you can consider based on this:
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The cost of car insurance in Singapore ranges from $700 to $1,000 annually, but the exact annual premium is calculated on a case-by-case basis, as it actually depends on specific factors such as age, occupation, driving experience, claims history, and more.
Don’t be alarmed if your bid is too high. Sometimes this can happen due to the statistics about the car or your profile, regardless of whether you are a good driver. Insurance companies measure risk in different ways, so take this opportunity to shop around for more quotes. At, as car owners, we deplore the high gas prices and COE. That’s why we’ve come up with a killer guide to getting cheaper car insurance premiums in Singapore that we hope won’t break the bank. Go check it out!
In contrast to the wide range of auto insurance options for vehicles powered by a traditional internal combustion engine (ICE), many insurance companies cover electric vehicles (EVs). Currently, there are only 4 EV insurance schemes in Singapore, with AXA planning to discontinue EV insurance products in 2022, but that doesn’t mean you have to do a thorough comparison homework before choosing one.
If you’re not sure how to compare shopping or just feel uncomfortable, we can help. Here is our summary of the four electric vehicle insurance options to help you find the best electric vehicle insurance plan for you.
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Some EV insurance providers currently offer mileage- or usage-based (UBI) insurance plans rather than just a flat annual premium, and unlike ICE auto insurance quotes, ICE quotes provide an instant estimate of your premiums on most vehicles. Insurance sites take a long time (often up to several business days) to get an electric vehicle insurance quote because each quote is customized and calculated based on your needs.
More than a third of drivers in Singapore have lost potential car insurance savings through auto-renewal with their current provider. As a current policy holder, you may not always get the best premium for the following year of coverage. Don’t feel pressured to automatically renew your car insurance due to lack of information or time.
Car insurance research* shows customers can save up to $620 when they compare car insurance rates before purchasing a policy. Insurance companies specialize in different coverages, so compare rates based on the coverage you need and the premiums you have to pay.
You can pay lower premiums by increasing the cost of your policy. The excess is the amount that you have to pay out of pocket in order for the insurance company to pay the remaining amount in the event of an accident. Your policy quote will show the standard increase as a condition, which you can bid for a lower premium.
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If you have a car in Singapore, car or car insurance is a must, but it is not cheap. Our free auto insurance calculator will help you find the best and cheapest rates on the market.
Glad you asked this! Most Singaporeans buy car insurance just because it is mandatory, without knowing what it covers.
When you own a car, the risks are everywhere. In addition to the constant threat of a car accident, your car can also be stolen by car thieves or even set on fire. As most car owners know, repairing such severe damage can be very expensive.
Car insurance is designed to cover such cases. You pay your annual premium to ensure that the insurance company covers most of your auto repair shop’s expenses when these situations occur.
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In short, auto insurance pays part or all of your bill if you are involved in an accident and are sued for causing damage to other people or their property.
As the name suggests, this type of auto insurance covers just about everything, including the costs of repairing and replacing your personal car. This is the most common type of car insurance in Singapore, which is understandable given how expensive cars are here.
This is the cheapest and simplest type and only covers damage to other people or their property. If something happens to your own car, you have to pay for it yourself. This is usually recommended for really old cars at the end of their life because you can actually think about the car instead of fixing it.
This is a slightly improved version of TPO Car Insurance. The same features apply, except TPFT also covers your vehicle for loss, theft, and fire damage. It provides more protection, but is still an option usually reserved for older car owners.
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Auto insurance policies are highly adjustable because you can always reduce the cost of your premium by adding something called an “excess”.
This is the amount that you have to pay out of pocket before filing a claim with the insurance company.
As an indication, most insurance companies in Singapore generate quotes based on more than $500 or $600. So, you can drive it as an average car driver out of his pocket. Both excesses and premiums are costs on you, so you should consider both when getting an auto insurance quote. Sure, you can get cheap rewards if you choose to shell out a lot, but just in case, do you really want to shell out $2,000 in cash? Maybe not
Universal basic income is about driving less and paying less. It’s fine if you have a car and choose an alternate mode of transportation for your daily commute to the grocery store or weekend drive.
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Morals and Income refer to Universal Basic Income. UBI Etika’s latest feature gives you up to 30% cashback on your main reward, while UBI Income is specifically designed for electric vehicles in Singapore. Their UBI premium is determined by tracking mileage via a device connected directly to the vehicle’s odometer. This ensures accurate tracking without resorting to procedures such as mobile apps or GPS. However, please note that prices are per kilometer dependent on personal details and vehicle model.
Whether you pay a usage-based insurance (UBI) plan or an annual premium, most auto insurance policies only cover the market value of your car in the event of total damage, but only for the first 12 months. Do not cover your EOE.
Be sure to read your insurance policy carefully, as there are many types of exclusions for compensable damages that you should be aware of. For example, UBI Income coverage does not cover battery failures or defects by default if you add a service package that includes a comprehensive list of vehicle parts that can fail for any reason.
Many auto insurance plans include free 24/7 assistance in the event of an accident or breakdown, while others offer this as an additional option, including towing and battery services.
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Having the lowest NCD penalty has its benefits as you can take advantage of NCD lower deductibles of up to 10% from insurance companies such as Aviva.
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