Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Striking a Good Deal on Your Car Insurance is Not That Tough!

Updated On Oct 15, 2023

No one wishes to spend lots of money on car insurance, but then not every individual can negotiate with the company. Negotiating is an art and a bit of a challenge for most people. But the truth is that the market is so cutthroat that most of the companies themselves are all set to negotiate.

Thinking of purchasing your first car? Well, then car insurance may just be the last thing on your mind. But it is essential. It is compulsory for all car buyers in India to get their vehicles insured. If your vehicle is insured, the car insurance policy will come to your help in the case of accidental damages to your vehicle. But when buying car insurance, you should know how to strike a good deal on your car insurance.

Striking a Good Deal on Your Car Insurance is Not That Tough!

Tips To Get A Better Rate With Your Car Insurance Provider

Explained below are some of the tips that you can refer to in order to strike a good deal on your car insurance.

  • Compare Insurance Rate And Search For Reductions

The easiest way to save money on a car insurance plan is to compare and choose a product that is cheaper. Car insurance is compulsory, but that does not mean it has to be costly. A bit of online research can give you a list of products at the most excellent price available. If you have already purchased insurance, by comparing quotes, it would be simpler for you to change later and save on your premium monthly. When comparing, you can receive details on deals as well that several car insurance firms offer.

  • Make The Payment Beforehand

To get considerable discounts from your car insurance company, pay the premium completely on an annual or half-yearly basis. The monthly payment scheme typically costs a lot more in comparison.

  • Keep A Clean Driving History

Insurers can ask you to pay more or include a surcharge if your driving history is not clean. Several car insurance companies also provide discounts to the drivers who maintain good records for an extended period. If you have an excellent driving record, you can inquire with your insurer about reduction offers in the form of No Claim Bonus.

  • Choose The Deductible Wisely

A car insurance deductible is a claim amount you have to pay before your insurance covers the leftover part. Most individuals choose low deductibles which are easy on the pocket but donate to higher premiums. Selecting the deductible wisely will make you more liable for any damage less than the amount of your deductible. This will in effect reduce your risk of a claim and decrease your rates.

  • Do Not Allow Your Policy Lapse

You should not allow your car insurance policy lapse. Remember that driving with a policy that is lapsed means paying additional for premium. Moreover, it exposes you to a hazard of claim rejection in case of any untoward incident in the lapsed period. The insurance firms check the period of your insurance period on a constant basis as a way to compute the rate.

Must Check

Car Insurance Renewal

Car Insurance Calculator

Also, Read

Tips To Go On a Long Drive In Your Car

How To Avoid a Car Insurance Claim Rejection?


By keeping the above discussed points in mind you can certainly strike a good deal on your car insurance. You can seek assistance from online portals to compare the rates that are being offered by various companies and choose the one that suits your needs.


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.

Explore more before buying Car Insurance

    must dotmust graphics

    Why to buy from InsuranceDekho?

    • Instant policy # within 5 mins
    • More than 45 Lac happy customers
    • Claim Support available all 7 days of the week

    People Also Read