The process of getting car insurance used to involve many trips to an agent’s office, a pile of papers, and long wait times before your car gets insured. But those days are gone. Now, all you need is minutes, fewer costs, and more choices when you buy car insurance in India online.

Are you the owner of a car in India who has not yet tried buying car insurance online India or renewal of the same through the Internet? Read on to find out more.

Why Buying Car Insurance Online Makes Complete Sense

This move towards buying motor insurance in India online has been made possible due to one major fact, and that is, it is superior in almost every way to its offline counterpart.

For starters, the comparisons of plans made online involve comparing several plans from different insurers at once. You get to know everything about the premium price, plan features, additional covers, and even claims ratio statistics. This eliminates the need for depending on the advice of one single agent who could have personal motives of their own.

The plans purchased online are also much cheaper. Since the insurers eliminate all middlemen and save money by dealing with consumers directly, they pass on a significant chunk of these savings to the customers in the form of low premiums. The plan you purchase from an agent will cost more than what you would pay for the same plan online.

All of this is done online, and within a matter of fifteen minutes.

Understanding the Types of Car Insurance Available

Prior to purchasing car insurance in India, one needs to know which kind of insurance he/she requires to ensure that neither his/her wallet nor he himself is left without the appropriate protection during any unfortunate circumstance.

• Third party liability insurance - This is the basic coverage that the Motor Vehicles Act requires from every motorist in the country. It protects you against any damage or injury to a third party resulting from an accident involving your car. The damage to your car is, however, not covered by this insurance plan.

• Comprehensive car insurance - Comprehensive insurance covers both third party liability as well as damage to your own car due to accidents, theft, fire, natural disasters, and vandalism. Most car owners should opt for comprehensive insurance given its extensive coverage.

• Own damage cover - If you have bought the third party cover plan and would like to have extra protection for your car, this stand-alone plan comes handy.

Key Add-Ons Worth Considering

Basic policies contain everything necessary. Additional covers allow you to tailor your insurance to fit your individual needs and requirements.

• Zero depreciation cover - When making a claim, insurance companies usually deduct depreciation from the replacement cost of damaged parts. By taking out zero depreciation cover, you will receive a higher amount of compensation. Very useful for new and relatively new cars.

• Engine cover - Covers repair costs resulting from damage to the engine due to water or lubricant entry, which is not covered by basic insurance plans. Useful for cars located in flood-prone regions.

• Roadside assistance - Assists you in case of a broken down car and provides assistance with flat tires, battery charging, fueling, and towing service at any place other than your base location. Useful and economical.

• No claim bonus protection - Helps retain your accumulated no claim bonus even if you made a claim during the insurance period. Useful for those who have saved a lot on their no claim bonus discount.

What to Check Before Buying Online

Compare no fewer than three to four insurance firms before you decide. Don't go just by the premiums but analyze their claim settlement percentage, network of cashless garages within your locality, exclusions, and level of customer care service as well. An insurance company offering slightly higher premiums with an outstanding claim settlement percentage of 98 is worth more than a less expensive alternative unable to process its claims.

It's imperative that any modifications done to your car be disclosed to the insurer along with proper usage details when you purchase the insurance.

Protect Your Vehicle the Smart Way

Your car is a valuable asset and is a necessity for you. Getting adequate insurance to cover it is an absolute necessity.

If you want professional assistance in deciding which car insurance in online India policy fits your requirements perfectly, then reach out to Insurance Guru. They will guide you and provide you with complete information.