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. 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. 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. For instance, families may benefit more from plans that may be a bit more expensive but will provide coverage for personal belongings, child car seats and a loss of use (temporary car) benefit. 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. However, while price can be an important factor, it should not be more important than the coverage you need. Last, your budget is another thing to consider when choosing a great plan. On the other hand, seasoned drivers may be better off with a plan providing simple but necessary coverage. They should also keep an eye out the inexperienced/young driver excess. New drivers may benefit more from a plan offering a plethora of accident-related benefits such as emergency assistance and medical coverage. ![]() Furthermore, drivers with modified cars will have to find an insurance plan that covers their car's modifications. 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. Second, when choosing a plan you should consider the type of car you have and your driving experience. Knowing the type of coverage you want, whether it is basic fire coverage or comprehensive coverage can narrow your search significantly. ![]() Car insurance is notoriously expensive, so the last thing you want to do is to purchase a plan that doesn't fit your needs.įirst, there are three types of car insurance policies: TPO, TPFT and comprehensive plans. 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.
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