Great but premiums and excess is still insanely high, does it make sense to pay almost R2000 with an excess of R8000 for a 2021 Peugeot 3008, this is a *******

Great but premiums and excess is still insanely high, does it make sense to pay almost R2000 with an excess of R8000 for a 2021 Peugeot 3008, this is a *******. Even my parents who drive bigger cars than this don't pay this amount.