A friend of mine contacted me last weekend regarding the car insurance. Her car's insurance is going to be expired and she would like to renew it with affordable value.
I asked her if her car ever involved in accidents as this is the main issue to determine the budget. If her car is "free" from accident record, then she will be waived for the NCB deduction ( the NCB amount is quite big if compare to non-NCB deduction)
In my opinion, to get an affordable insurance, we need to drive safely in every moment. It is because our driving history is the number one factor insurance companies use when calculating an insurance quote. Besides, buying car insurance online to cutting out the middleman will help us to save extra money. The last thing that we need to take in consideration is to buy minimum coverage , minimum liability coverage according to our car's market value, it will definitely save our more money than carrying a large, full coverage policy.
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