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How to Buy Cost-effective Car Insurance Online?

Published On Feb 14, 2021 10:00 AM By InsuranceDekho

Owning a car has become a requirement because of the advantages that it offers. With higher earnings, most individuals can afford a car, at times even numerous vehicles. While having a car is significant, it is equally important to buy a car insurance policy.

With the improvement in technology, almost everything has become digital these days and insurance plans are no exception. You can now purchase a car insurance policy online that suits your needs from the comfort of your home. You can make use of the mobile applications and online websites to make the correct choice while choosing car insurance. Before understanding the steps regarding how to buy a car insurance plan online, it is important to understand the several factors that determine the cost of car insurance.

How to Buy Cost-effective Car Insurance Online?

Factors That Determine Car Insurance Price

Mentioned below are some of the factors that need to be considered to buy the most reasonable car insurance policy online:

  • Type of Car And Purpose

The car model, its engine capacity, safety features, etc. have a demeanor on the amount charged by the insurance firm. Vehicles of higher price have higher premiums and diesel vehicles charge increased premiums than CNG or petrol vehicles. If you are using your car for commercial purposes, then the charges would be higher than the private vehicles.

  • Maintain A Clean Driving History

The car insurance premiums depend on the driving record of a person. If the driver has a rash driving or driving under the influence of alcohol, the car insurance company charges a higher premium.

  • Age Of Your Car

The manufacturing date is another factor that determines the car premium. Newer cars have higher IDV, which lessens over time, while the premium augments. This indicates that you spend more on insurance as your car gets old.

  • Insurance Zones

Insurance Regulatory and Development Authority (IRDAI) has classified the country into regions that are determined by the accident and theft rate, etc. in that specific area. If your car is insured in a city area, then the insurance cost will be more than rural places, which drop into zones that have lesser premiums.

  • Add-on covers and riders

Riders and add-on covers of your car insurance can affect the insurance premium. These riders, while advantageous, can increase the premium, and thus it is essential to investigate and revise to know which cover is essential for you.

Online Comparison Can Help You Buy Cheap Car Insurance

Many people make the blunder of visiting a car insurance company’s website directly and look for different plans offered by them. This can be useless as many people will miss out on some other insurance companies and the offers that they provide. In such cases, online comparison can help. The online portals compile and offer information about several insurance companies on their website in a way where customers can compare the policies easily.

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Damage and risk to your life or car can bring permanent financial damage. To reduce the risks, and ensure a proper and reasonably priced financial cover, you must investigate well before choosing the right car insurance policy. With all the new services and products being launched, you can be sure that you will get the cheapest and the best policy to give you an undisturbed ride.

Disclaimer: 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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