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Best Car Insurance: Calculate Car Insurance Premium Online


Written by Amit Jain

Updated Oct 18, 2023

Best Car Insurance: Calculate Car Insurance Premium Online

You can determine a customised premium figure for your auto insurance policy using an internet tool called a car insurance calculator. The premium amount will be computed when you submit information about your car's make, model, variant, RTO location, purchase year, etc. You can use a vehicle insurance premium calculator to determine the exact premium you should pay when purchasing a policy from one of the many car insurance providers. This makes it simple for you to compare the many vehicle insurance rates and decide what is best for you.

Best Car Insurance: Calculate Car Insurance Premium Online

Advantages of Car Insurance Calculator:

A Car Insurance Calculator is a very useful online tool for calculating and determining the cost of the insurance premium for your automobile. These are some of the advantages of Car Insurance Calculator:

  • Time Saver 

Time can be saved by using an auto insurance calculator. It immediately displays the premium cost for your car being given by the different insurance companies on the market.

  • Evaluates All Factors

In order to assist you in selecting the policy that best meets your needs and requirements, it evaluates the premium costs and other factors provided by various insurers.

  • Flexibility 

It gives you flexibility because there is no pressure to decide right away and no outside influence from an agent that might sway your choice.

  • Helps Choose The Most Suitable One

It can assist you in choosing the appropriate add-on auto insurance covers that meet your needs and budget.

  • Experimentation

It enables you to change many aspects of your premium, such as the deductible and IDV, among others. You can experiment with different options until you find the best combination for yourself.

Factors That Determine Insurance Premium Cost

Here are some significant elements that affect how the cost of vehicle insurance premiums is calculated:

  • Place In The World

The premium is also rated by insurance companies based on where the insured car will be used the most. For instance, premium rates will be higher in urban areas with more traffic than in rural areas or in places with lesser hazards and traffic density.

  • Declared Insurance Value (IDV)

The greatest sum an insurance will give a policyholder in the event of a total loss or theft of the vehicle is known as the "insured declared value." The IDV is based on the manufacturer's selling price, the car's model, RTO information, etc. It has an impact on the insurance policy's own damage premium.

  • Age Of The Car's Owner

Insurance companies believe that drivers under the age of 25 are more likely to be engaged in a mistake or a traffic accident based on past experience. This explains why those between the ages of 18 and 25 typically pay greater premiums than other age groups.

  • Kind of Fuel Needed To Power The Car

In comparison to coverage for ordinary petrol/diesel-run vehicles, the premium for CNG (Compressed Natural Gas) equipped automobiles is greater.

  • Cubic Volume

The cubic volume of the car also influences how much the Own Damage cover will cost. The cost of your automobile insurance coverage is also influenced by the make, model, and version of your vehicle.

  • Zero-claims bonus (NCB)

No claim bonus is a reduction in the Own damage cover premium given that no claims were made throughout the selected policy's duration. You are given this based on the number of years you went without filing an auto insurance claim.

  • Discount on ARAI Anti-Theft

2.5% off the premium rates are available for vehicles with ARAI (Automotive Research Association of India) approved anti-theft devices installed.


A dependable and useful tool for finding the best auto insurance policy based on the given personal information is a vehicle insurance premium calculator. By giving correct information promptly and assisting you in making the best decision, it helps you save time.

Also Read: 

How Does Aesthetic Modelling Affect The Premium Of Car Insurance Policy?

Tips To Lower Premium For Car Insurance Policy



Written by Amit Jain

Amit is an upcoming name in the motor industry be it new cars/ bikes or used ones. Amit in his last stint worked as a consultant for major Fortune 500 companies across the globe.&Read More


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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