Top Ten Tips for Finding the Right Car Insurance Policy

Get Car Insurance starting at only ₹2,094/year #

Owning a car is an extravagance as it is one delightful machine, which gives you the liberty of roaming around in all ease and solace. About cars, they are to be sure an extravagance to have and a reliable mode to commute making the lives of the people convenient enough.

Read more

  • Renew policy in 2 minutes*

  • 20+ Insurers to choose

  • 51 Lakh+ Vehicles Insured

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year #
Looking for Car Insurance?
    Other models
    Other variants
    Select your variant
    View all variants
      Full Name
      Mobile No.
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      Considering buying a new car? Well, in that case buying a car insurance policy is necessary as the Motor Vehicles Act 1988 makes it a mandate for all the owners of the car in India to buy a car insurance policy.

      What is Car Insurance?

      Car insurance essentially provides coverage to your car from any monetary expense, which may incur due to any unforeseen event. It provides coverage against robbery, financial loss by accident or some other liability.

      The premium of the insurance is commonly decided on different parameters such as classification of car, type of car, etc. However, with a plethora of alternatives accessible in the market, it is a serious errand to choose the correct car insurance policy

      Look underneath and find tips, which will assist you with finding the right car insurance policy:

      • Choose the Right Car: Has this question ever crossed your mind that why some cars cost less when compared to other cars when it comes to insuring. A sports car is always different if compared to other cars. Buying a car is a serious business and one should think about it twice before buying a car. A high-end model will cost more and you will end up paying a good amount of insurance coverage. As important, it is of how you drive similarly it is of utmost importance to know of what you drive.
      • Know your Needs: To find out the right car insurance policy, it is of prime importance to know what you are looking for. It is advisable to make a budget and keep it aside to know how much you will be spending and manage accordingly. Taking up a comprehensive plan is always smarter as it provides good coverage. While buying a plan understands the type of vehicle you own, how frequent you use it, etc. Being clear in your insurance needs will help you settle for the right type of insurance plan.
      • Compare Policy: With having so many alternatives just with one click online. Always compare the policies and the kind of cover they are offering. Check the rates. Though it is advisable do not settle onto a policy just because the company if offering ales premium rather compare the policies and but the plan which falls in your budget, coverage available and tally the premium amount for each. This is necessary before you lock and intend to buy the plan.
      • Background Check: Before buying a plan, it is good to have a background check of the insurance provider. The idea is simple to simply visit their website and get the information to form your opinion. At the same time, it is important to buy a policy from the provider who has goodwill in the market. Look for the claim process, car insurance renewal processes and claim settlement ratio. Go through the review section and know the about the products and services the company offers.
      • Comprehensive Coverage: Do look out for the features and coverage offered by the insurance companies. By understanding, the coverage on car insurance one can save on car insurance premiums as well. Although, most of the insurance companies do offer similar kind of benefits and features. Your insurance plan should cover the key inclusions in terms of your car and provide coverage basis that ensuring a hassle-free ride.
      • Add-ons Cover: Buy a plan with additional benefits. Of course, you need pays some extra premiums for the add-ons cover but then it indeed gives you more advantages. Once you understand the add-ons, which need to be included in your policy plan you can choose the insurance policy at the best cost. Look for add-on covers like round-the-clock assistance, roadside assistance, zero depreciation, and so forth. Also, look for the option of flexible car insurance cover.
      • Review your Policy: Make it a habit of reviewing your policy from time to time. Please do take care that there is enough coverage for any kind of liability coverage for property damage/harm or bodily injury. If you go for minimum coverage, it ultimately means minimum protection.
      • Maintain Good Credit: Make a note of checking your credit regularly. In case, if you have a low score it will be advantageous for you as it will affect your premium.
      • Watch Repairs: It is always good to know where exactly your insurer is sending your car for repairs. While they generally send it to authorize garages/ workstations but it is still recommended to know about the same. As it is possible, the repair shop may use cheaper parts rather than original equipment from the manufacturer. It has been noted that the Non-OEM parts are not just prone to rust but also fits poorly. Moreover, they do not meet the federal safety standard.
      • Beware of Scams: There are people out there prepared to arrange mishaps, and this can prompt a case against you. To abstain from being in such a circumstance, you ought to consistently pursue the good driving practices, and on the off chance that you are engaged with an accident, quickly start clicking photographs and call the police to report it.

      The Bottom Line

      Choosing the right car insurance policy for the car is significant and can be dubious to choose the best car insurance policy in this competitive era. Pursue these simple tips and buy the right car insurance policy, which suits your necessities.

      With ownership comes responsibility. Pick the insurance policy carefully and get your priced possession insured without further ado.

      Gear up the wheels of your car and enjoy a safe ride.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar

      Car insurance articles

      Recent Articles
      Popular Articles
      All You Need to Know About Standalone OD Insurance

      29 Sep 2023

      The concept of Own Damage(OD) is not a new one. For those of us
      Read more
      Your Guide to Reducing the Chances of a Rejected Motor Insurance claim

      29 Sep 2023

      Filing a motor insurance claim can be a complex process, and
      Read more
      Top things to keep in mind when Renewing Car Insurance

      29 Sep 2023

      To continue receiving coverage benefits, it's necessary to renew
      Read more
      Importance and Benefits of Comprehensive Car Insurance Policy

      20 Sep 2023

      Having third-party car insurance is mandatory as per the motor
      Read more
      5 Common Myths About Buying Motor Insurance

      13 Sep 2023

      When buying car insurance, it is essential to have a thorough
      Read more
      Check Vehicle/Car Insurance Status Online on Parivahan Sewa, Vahan, IIB & RTO
      It doesn’t matter if you are an excellent driver or take your car out only once in a few months, your car must be
      Read more
      How to Find Car Insurance Details by Registration Number?
      As a car owner, it is mandatory to have a car insurance policy under the Motor Vehicles Act, 1988. Sometimes, you
      Read more
      How to Transfer Car Insurance Policy?
      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer
      Read more
      Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your
      Read more
      Comprehensive Insurance Vs Third Party Insurance
      A comprehensive car insurance policy offers protection against third-party liabilities and own damages sustained by
      Read more

      View Plans
      Download the Policybazaar app
      to manage all your insurance needs.