How to shop for car insurance quotes?

Car insurance acts as a shield and protects you against financial loss involving your vehicle. As per the current mandate of Motor Vehicles, maintaining active car insurance is compulsory for every vehicle plying in India. Amidst such an overwhelming digital trend, you can easily acquire a car policy online. But, in this competitive market, you have to compare car insurance quotes to settle for the best deal. 

As per the current rule, there are two types of car policies: third-party policy and comprehensive policy. The third-party plan offers coverage to other vehicles or persons caused by your car. This plan is specifically articulated to cover the policyholder against the claims caused for many bodily damages and injuries by your vehicle. This is a compulsory plan for all Indian vehicles. 

The comprehensive plan comes with an enhanced premium, offering much better protection to the third party and to your vehicle against loss or damage caused by theft, fire, accident, vandalism, etc. It is ideal when you are driving a luxurious car. Depending on your premium rate, you can enjoy several added benefits called riders, and create a somewhat customized plan for yourself. 

Application procedure for buying car plans

The procedure to buy car insurance plans online is one of the easiest tasks in the current age. With just a few simple clicks on your laptop or even smartphone, you can complete the task. But the thumb rule is that when you have to thoroughly survey car insurance quotes online. When you compare car insurance plans, you get to understand the actual picture and choose what’s best for you. This research is your platform and groundwork to grab the best deal. It reveals the performance of different companies, the claim settlement ratio, the NCB, the IDV, the inclusions, the exclusions, and other necessary factors. You know the premium value when you feed the relevant details digitally. Once it is satisfactory, you can proceed to buy.

With a few simple, hassle-free clicks, you can complete the process. 

1. First, log in to the official website of the company you want to choose. 
2. Follow the instructions and enter all the relevant details correctly.
3. Make sure not to provide any false information.
4. Upload the documents if required.
5. Choose the riders carefully to meet your needs.
6. Make payment and buy your plan.

Several sites reveal a comparative study of the premium value calculated as per the rates of different companies. In that case, you do not require to visit the official sites of each of these companies individually. You can directly visit the one that charges the minimum value and meets all your relevant requirements. 

Choosing the right car policy

1. First, choose the type of plan you need to buy
2. Compare several policies online to select the most suitable one
3. Check the premium and IDV, where the premium needs to be lower and the latter higher
4. Choose the necessary riders for enhanced coverage 
5. Research about the claim settlement procedure
6. Proceed to buy

Maintaining a valid car plan carries several benefits. It keeps you protected from legal jeopardy, protects against many third-party liabilities and own damages too, covers against theft or complete damage to the vehicle, offers personal accidental coverage. So, with no more waiting, just go for it now.