Right when you purchase your car, there's another cost to factor in, car insurance. This is basically purchased to offer financial coverage in the event of a car collision and includes both physical damage to the car as well as to you in case you were to suffer any injuries to your body. Motor insurance also offers coverage for any other misfortune that may befall your car, like theft, and damage to property caused by the car. You can usually get car insurance from the insurance company directly, or the easiest method is to get it from an authorised agent or dealer. Nowadays, however, with the Internet taking over most processes, there are quick and instant solutions to purchase policies online. In fact, even if you are looking to update your car insurance you can shop around on the net too.
As information is presented in a clear and friendly format over the internet, evidence shows that there are growing numbers using it to purchase car insurance in India. Motor insurance online tends to be cheaper in general since it avoids costs that come up with transactions, and the middle man is cut out, so commissions are not part of the deal. The insurance company translates this into significantly reduced premiums. Therefore the best car insurance deals can be found online itself. There are several sites that make the job of sifting through the variety of options available easier. Based on your car type, eg, if you have a new Toyota SUV or a used Maruti Baleno, there are different quotations on premium to choose from. If you want to make doubly sure that you are on the right track, you could always cross-check with an agent or the companies themselves to understand rates, and an ideal premium for the brand and even model of your car.
Since the premium is based on the details of your car, it is useful to keep them at hand while you are sitting at the computer. The most important details are the make and the model of your car. Insurers rate them differently based on those that are seen as higher risk for damage in an accident versus those that are of lower risk. If you already have insurance, keep your previous policy papers ready. In this case, make sure the new terms are similar to the previous policy terms. The fuel type, location and claim history also are important. Make sure that the customer service is to your liking, and finally ensure that you are using a secure payment gateway to make your transaction.
by Austin Steve