How To Get Car Insurance Quotes To Find Out The Premium Cost For Your Vehicle?

The law deems it mandatory to have car insurance as

soon as you get a car. The tough roads increase the risk

of an accident and without it you simply cannot cope

with the financial burden arising from an unexpected

situation. Usually the dealer’s showroom where you

purchase the car from will have an insurance desk

through which you can apply for insurance right away. If

not, you can easily apply for car insurance online. Buying

online gives you the benefit to compare different car

insurance plan and choose one that befits you.

What is the coverage offered by car insurance?

Car insurance protects you from the unexpected on the

roads. If your vehicle is damaged or stolen, it offers

compensation through which you can get it repaired or

buy a new one. In the event that your vehicle clashes

against another vehicle the policy can be used to meet

third party liability expenses. It offers a lump sum

payment in the event of personal accident which results

in loss of life or permanent disability. These are the basic

coverage that you get from a car insurance policy and

there are many additional benefits. These benefits are

available in the form of on-road repair expenses, towing

expenses, flat type changing expenses, getting

emergency fuel and lock out. You have to pay extra

charges to get this coverage. In addition to these

coverage’s for roadside assistance, you can customize

your policy by opting for deprecation cover, medical

expenses cover, and invoice price cover and so on.

Getting quotes

The insurance company’s website will offer detailed

information on car insurance coverage. Read it to find

out what benefits you get from the policy. There are

many add-on benefits available, which you should read

about before applying. There is an online calculator that

can be used to get car insurance quotes. Once you have

decided on what benefits you need and the cost, fill the

car insurance form online and submit it. Your policy

would be generated instantly. You can download or print

the policy online.

How to reduce premium charges?

Basic car insurance will not cost much so you can easily

afford it. The premium charges rise depending on

additional benefits that you have taken. You can bring

down premium cost if you have installed an ARAI

approved anti-theft device in your car or if you have a

voluntary deductible.

If you have cashless coverage, you can get the vehicle

repaired in any of the garages that falls under the

insurer’s network but without paying any cash. The

insurance company will directly pay the garage for your

repair costs. The policy must be renewed every year.

When you renew the policy without fail, you can get no

claim bonus, which gives you a reduction on the

premium charge. Buy car insurance online to save time

and effort in getting its benefits. You can also complete

premium payments and do annual policy renewal online

itself.