Discover How to Get Cheap Car Insurance in Thailand

When shopping for car insurance, it’s important to steer clear of brokers and agents who use misleading or aggressive tactics. Here’s how to spot them:

• Requesting contact information first

  If an agent insists on obtaining your phone number or email before providing a quote, it’s a red flag. They may lack competitive insurance options and are likely to use your contact details for future upselling.

• Aggressive upselling after showing a quote

  After presenting your insurance quote, if you’re bombarded with follow-up calls or emails pushing cheaper, lower-quality plans, the agent might be more focused on making a sale than providing you with the best coverage.

• Poor customer service later

  Once you've purchased the insurance, you may find that these agents become less helpful when you need support. Don’t expect fast responses if you have a claim or an issue with your policy.

• Choose transparent and customer-focused agents

  Always look for brokers who are upfront about quotes without asking for unnecessary personal information. These professionals prioritise your needs over aggressive sales tactics and ensure that you're getting the best value for your insurance.

Before committing to buy car insurance, compare policy options to find the best coverage and price. By using trusted comparison websites like MrKumka, you can enjoy the following benefits:

• Get a quote in few minutes - no need to share your phone number or email upfront.
• Compare multiple insurers easily - use trusted car insurance comparison websites like MrKumka to view different plans and options without visiting individual insurer websites.
• Save time and effort - keep everything in one tab, compare quotes, explore customisation and payment instalment options.
• Quick and easy purchase process - once you find the right plan, you can buy directly online or over the phone.
• Enjoy the benefits of transparency - no hidden fees or upselling tactics, just straightforward quotes to help you make an informed decision.

• Exclude unnecessary coverage

  If you drive carefully or use your car infrequently, third-party coverage may not be necessary.

• Choose a policy with lower coverage to save money

  Opting for less coverage can significantly reduce your premium.

• Match coverage to your driving habits

  • Select a policy that aligns with your driving behaviour.
  • Lower-class insurance types (e.g. type 2+ instead of type 1 policy) can still provide sufficient protection.

• Understand the differences between policy types

  • Type 1 policy offers comprehensive coverage, while type 2 policy provides reduced benefits but is more affordable.
  • Choose the type that best suits your needs and driving history.

Beside enhancing your safety, many insurers provide a 5-10% discount for vehicles equipped with dash cameras. We recommend installing both front and rear dash cams for maximum coverage. Here are the main benefits of using a dash camera:

• Simplify insurance claims

  Dash cam footage eliminates speculation in accident claims by clearly showing:

  • Who was at fault
  • What caused the accident
  • Any distractions or unsafe driving conditions

• Show responsibility as a driver

  Insurers value drivers who install dash cams, seeing them as proactive and safety conscious.

• Affordable and long-lasting investment

  Basic dash cams are inexpensive, durable, and can save you money on insurance premiums year after year.

• Understand the trade-offs

  • Dealer garages often have a strong reputation due to their expertise with specific car brands but come with higher repair costs.
  • Non-dealer garages can still offer quality service at a lower price if carefully selected.

• Benefit from online reviews

  • Research non-dealer repair garages online to find those with good customer feedback and reliable service.
  • If a garage has numerous bad reviews, ask your insurer for an alternative with better ratings.

• Lower your insurance premium

  • Choosing a non-dealer garage as your repair option can directly reduce your insurance premium by lowering repair costs for claims.

• Add experienced drivers

  If your insurer allows it, consider adding a family member with a strong driving history as a named driver.

• Benefit from experienced drivers

  Insurance companies perceive safe experienced drivers as less risky, which can reduce the cost of your coverage.

• Focus on older, skilled drivers

  Adding an older family member with extensive driving experience can significantly lower your insurance premium.

• Maximise savings

  Having multiple reliable named drivers on your policy reduces the overall risk for insurers, which can result in a lower premium.

• What is insurance excess?

  • Insurance excess (or deductible) is the amount you agree to pay out of pocket towards a claim before your insurer covers the rest.
  • A higher excess means a lower premium, but higher out-of-pocket costs for claims.

• How it benefits drivers?

  • It allows drivers to handle small scratches or bumps independently, saving the cost of a full claim.
  • This helps you maintain a clean driving record and preserve your no claims bonus (NCB), which rewards you with discounts for claim-free driving.

• Lower premium with excess

  • Many insurers offer a lower premium when you choose to add an excess to your policy.
  • This option is highly encouraged as it can save you a significant amount of money in the long term.

• Insure multiple vehicles with the same company

  • If you own more than one vehicle, consider insuring them with the same insurer.
  • Many insurers offer discounts when you insure multiple vehicles, helping you save on premiums.

• Negotiate discounts for multiple vehicles

  • When discussing your policy with an insurance agent, mention that you have more than one vehicle to insure.
  • Insurance companies may offer bulk discounts to incentivise multiple policy sales.

• Explore discounts on other insurance types

  • If you need health insurance or other types of insurance, ask your car insurance provider if they offer these products.
  • Many insurers offer discounts for customers purchasing multiple insurance products.

• Ensure you mention bulk discounts early

  • Discuss multi-policy discounts with your insurer before committing to a policy.
  • This gives you the chance to negotiate lower premiums before finalising your purchase.

• Safe driving leads to long-term savings

  • While safe driving may not immediately reduce your insurance premium, it can save you up to 50% for no claims bonus (NCB) in the long run.
  • Good drivers earn a no claims bonus (NCB) when renewing their policy, which directly lowers their premiums.

• Benefits of safe driving

  • After just one year of careful driving, you may qualify for a no claims bonus, even if you’re a new or young driver.
  • When it’s time to renew your policy, your no claims bonus can be used to lower your premium, resulting in significant savings.

• Proof of responsibility

  • Although you won’t see immediate savings, consistent safe driving will lead to discounts and rewards after proving your reliability to insurers.