OUTsurance Car Insurance
OUTbonus: cash back after three claim-free years.
Read the guide →The cheapest monthly premium isn't always the cheapest policy. Once you add the excess, the insured value and what's left out, the ranking often changes. Here's how to get car insurance quotes you can actually compare, plus a form to request quotes in one go.
Line up every quote against the same checklist. If one insurer is much cheaper, the reason is almost always in one of these rows.
| Compare | Why it matters |
|---|---|
| Cover type | Comprehensive, third party fire and theft, and third party only cover very different things. A cheaper quote may simply be for less cover. |
| Insured value | Retail value pays out more than market or trade value if the car is written off or stolen. |
| Basic excess | A fixed amount or a percentage of the claim. A R2,000 difference in excess can outweigh a year of small premium savings. |
| Additional excesses | Extra amounts for young drivers, new licences, single-vehicle accidents, night-time or windscreen claims. |
| Car hire | Whether you get a car while yours is being repaired, and for how many days. |
| Liability limit | The maximum paid for damage you cause to others. Limits range from about R250,000 to R5 million or more. |
| Conditions | Tracker requirements, overnight parking rules and who may drive the car. |
| Rewards | Cash back and driving rewards are only worth counting if you're confident you'll qualify. |
Each insurer prices risk differently. One might be cautious about your suburb, another about your car's model or your age. Some reward low mileage, others reward claim-free years or good driving measured by an app. That's why getting three quotes almost always pays off.
Looking for Budget Insurance (the brand)? See our Budget car insurance quote guide.
Many insurers require an approved tracker on higher-value cars, and most give a discount when one is fitted. See which trackers insurers accept or estimate your saving.
Prefer to quote yourself? Our guides explain how each insurer works and what to check.
OUTbonus: cash back after three claim-free years.
Read the guide →Three cover levels and an excess you can adjust.
Read the guide →Vitality Drive rewards for good driving, including fuel cash back.
Read the guide →An annual payment holiday and a cash back bonus after two claim-free years.
Read the guide →Santam CashBack after three claim-free years.
Read the guide →Several car insurance quotes from one form.
Read the guide →At least three. Premiums for the same car and driver can differ a lot between insurers, and you only see that by comparing. Include at least one direct insurer and either a broker or a comparison site.
A quote isn't a credit application. Some insurers use credit information as one factor when they price a policy, so ask the insurer if that matters to you. Either way, getting several quotes won't count against you the way several loan applications might.
Your ID number, the car's year, make, model and registration, where it's kept overnight, the regular driver's licence date and claims history, and whether the car is financed. Having it ready makes each quote quicker and more accurate.
The usual reasons are a high-theft model, a high-risk area, a young or newly licensed driver, recent claims, or a low excess. Try a higher excess, check whether an approved tracker earns a discount, and compare third party, fire and theft cover if the car is older.
Compare at least three insurers for the same cover, choose an excess you can genuinely afford, insure the car for the right value, ask about tracker and multi-car discounts, and consider third party, fire and theft for an older car. If you're looking for the Budget Insurance brand specifically, see our Budget car insurance quote guide.
No. A quote is only a price. You're covered only once you've accepted, the policy has started and you've paid (or the debit order is in place). Keep your old policy until the new one is confirmed in writing.
Tracker Prices SA is an independent information site. We are not an insurer or a licensed financial services provider, and nothing here is financial advice. Insurer details are summarised from each insurer's own published information, last checked September 2026. Cover, benefits and prices change, so always confirm them in your quote and policy wording. For a complaint about an insurer you can contact the free National Financial Ombud Scheme.