{"id":966,"date":"2016-03-09T10:25:49","date_gmt":"2016-03-09T10:25:49","guid":{"rendered":"https:\/\/blog.carro.sg\/?p=966"},"modified":"2025-11-05T17:06:48","modified_gmt":"2025-11-05T09:06:48","slug":"insurance-what-to-look-for","status":"publish","type":"post","link":"https:\/\/carro.co\/sg\/blog\/insurance-what-to-look-for\/","title":{"rendered":"Insurance Guide: What to Look For"},"content":{"rendered":"

\"C\"<\/a><\/h1>\r\n

Carro\u2019s Guide: Insurance<\/h2>\r\nFor first-time car owners, insuring your car would be the next most difficult thing after buying your car itself. Car Insurance, like any other insurance, varies across a wide range of prices and package types. The basic concept of the price of insurance is that the higher the risk exposed to the higher the premium you need to pay to insure your car. This is Carro\u2019s Car Guide about Car Insurance for Beginners.\r\n

Section B: What to Look For<\/strong><\/h3>\r\n

1. What do you want to be covered?<\/strong><\/h4>\r\nThis is basically the insurance packages that are offered by the company. You have to make sure you know what you are buying. The car insurance should try to cover most of the possible risks exposed to. However, do not oversubscribe to an excessive insurance as it will cost you a lot of money.\r\n\r\nIn Singapore, insurance has to at least cover third parties in a case of an accident.\r\n\r\nMany insurance companies offer packages that allow you to get cheaper premium by subscribing insurance for more than one year.\r\n

2.\u00a0Which add-on coverage you want to add?<\/strong><\/h4>\r\nAdd-on basically is the additional coverage on top of the subscribed package. This will enable you to get more thorough protection without paying for excessive coverage.\r\n

3.\u00a0The excess<\/strong><\/h4>\r\nThe excess is the price that you have to pay up front at the workshop in the case of an accident. This excess acts as a form of a down payment that allows the workshop to start fixing your car. This excess will be reviewed by the company and if the insured is not at fault this excess will be returned.\r\n

4.\u00a0Number of car drivers<\/strong><\/h4>\r\nA car can often be driven by multiple drivers (eg. In a family, both parents often drive the car). A higher premium will be incurred in order to cover the drivers that happen to drive the car\r\n

5.\u00a0Car makes and model<\/strong><\/h4>\r\nAs discussed in section A, the more premium cars would have a higher premium due to its car type, car engine, and spare parts, this translates to the higher maintenance and fixing cost in case of an accident.\r\n

6.\u00a0Vehicle usage frequency<\/strong><\/h4>\r\nSimilar to Nature of Employment at section A, the higher the frequency(outdoor jobs) would pose a higher risk of accidents, hence higher premium and vice versa.\r\n

7.\u00a0The NCD<\/strong><\/h4>\r\nAs discussed in section A, with higher NCD your premium is cheaper.\r\n

8.\u00a0Driver\u2019s claim history<\/strong><\/h4>\r\nSimilar to section A, this suggests that you are a safe driver, in which might highly lower your premium due to the lower probability of the claim.\u00a0<\/strong>\r\n\r\nSell your car through us! No hidden Fees, No Hassle. Carro.sg<\/strong>\r\n\r\nInsure your car now! Call us at\u00a0+65 6714 6652.<\/strong>\r\n\r\n\u00a9 Carro.sg<\/strong>\r\n\r\n\"headline\"<\/a>","protected":false},"excerpt":{"rendered":"

Carro\u2019s Guide: Insurance For first-time car owners, insuring your car would be the next most difficult thing after buying your car itself. Car Insurance, like any other insurance, varies across a wide range of prices and package types. The basic concept of the price of insurance is that the higher the risk exposed to the …<\/p>\n","protected":false},"author":2,"featured_media":984,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[724],"tags":[380,320,382,99,381,63],"class_list":["post-966","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance-car-loans","tag-car-insurance","tag-carro-guide","tag-documents","tag-insurance","tag-insurance-premium","tag-used-cars"],"_links":{"self":[{"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/posts\/966","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/comments?post=966"}],"version-history":[{"count":1,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/posts\/966\/revisions"}],"predecessor-version":[{"id":16141,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/posts\/966\/revisions\/16141"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/media\/984"}],"wp:attachment":[{"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/media?parent=966"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/categories?post=966"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/tags?post=966"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}