Insurance costs vary, depending on several factors that include driving and claims history, your age or the ages of other drivers, the type of car being insured, the type of insurance required, and where the car is being kept at night.

Each insurer has a unique set of underwriting guidelines that governs their pricing models and is updated regularly. Also, insurers have promotional discounts and special changes to attract new customers from time to time, and we will always ensure this is updated.

Insurance costs also include optional add-on features such as special perils, windscreen cover, and roadside assistance. They can also include courtesy car benefits. Some insurers would give this within their pricing, and others may charge extra. Always ask Shyftjamaica.com to recommend the right package and explain this to you.

Car insurance is usually cheaper when you pay annually because insurers add on a fee for monthly payments through premium financing. Shyftjamaica.com can also assist with getting your premiums paid each month instead and can arrange your financing as we know insurance premiums are large and having an option to avoid paying a lump sum each year is a way of helping spread the payment.

If you choose to pay in monthly installments, it’s important to be aware there will be a credit check completed to see if you are able to pay a monthly installment plan. You would need a job letter and have to show a recent payslip to ensure you are credit worthy.

Motor insurance in Jamaica is categorized on statistical risk, so there are several factors taken into consideration when you get a quote for cover. This is why everyone pays a different price for their policy.

Age: This is a factor because, generally speaking, older and more experienced drivers are less of a risk than a young person that has been driving for less than five years. You will find that more experienced drivers will usually get much cheaper insurance premiums.

Gender: Even though insurers are no longer allowed to discriminate on gender, men still often pay more for their insurance. This is simply due to the cars they drive being statistically more powerful and that they drive more hours than women, among other factors.

Type of car: If you have an expensive or powerful car, then you are seen as a higher risk for a number of reasons. If it’s expensive, it has a higher risk of being stolen. If it’s powerful, it’s deemed more at risk of getting into an accident driving at speed. If you want to see how your car impacts your insurance, you can check with us for an indication.

Driving experience: The longer you drive the lower your car insurance premium. Also, the longer you drive claims free the larger the discount insurers will give, which is known as a No Claims Discount.

Occupation: If you have a job where you drive more frequently or drive late at night to get to and from work, the higher your premium. An insurer will see you as a higher risk and charge you for that.

Insurance is a busy marketplace, so we aim to show you car insurance quotes from as many insurance companies as possible. This allows you to find the right policy for you. Shy doesn’t display insurance quotes from every insurance provider in the region. That’s simply because not all insurers want to be included on comparison websites.

Furthermore, Shyft does not point users in any direction or advise you on what to do. All we do is to provide you with all the information you need to help you decide which is the right policy for you.

Shyftjamaica.com can help you find great deals on your insurance in Jamaica. We search the market to get the best combination of protection and price, and that’s our promise!

You know the benefits of insurance are many. You get not just the peace of mind, but the actual assistance when things do go wrong. At the same time, you never want to overpay for that protection and peace of mind. That’s why we’re here.