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What Are The Factors To Be Considered While Purchasing Car Insurance

Written by Amit Jain
Updated On Oct 18, 20232 min read

What Are The Factors To Be Considered While Purchasing Car Insurance

A car insurance policy is an important insurance cover that every car owner should consider when purchasing a vehicle. In the event of a loss, a suitable insurance plan aids the owner in claiming coverages. According to the Indian Motor Tariff, 2002, every car owner is required to obtain at least a third-party car insurance coverage. 

A thorough examination of several automobile insurance policies will enable you to pick the best one with ease. You can compare different automobile insurance coverage according to your needs as part of your study. The following are some things to think about while buying a vehicle insurance coverage. Accidents and other unforeseen situations are impossible to forecast. Their likelihood, on the other hand, may be calculated. Once this likelihood has been established, insurance can be purchased. A Comprehensive Car Insurance policy contains the required Third-Party Liability coverage as well as a variety of other insurance options.

What Are The Factors To Be Considered While Purchasing Car Insurance

Consider These Factors When Buying a Car Insurance Policy

The following are the important things that should be considered while purchasing automobile insurance:

  • Reputation of the Brand

When acquiring a vehicle insurance policy, the brand reputation of an insurance company is an important consideration to consider. Compared to lesser-known organisations, if you select a vehicle insurance company with a strong reputation in the industry, the chances of it delivering on its commitments on time are higher. When purchasing vehicle insurance coverage, you should always strive to select a reputable insurer.

  • Coverages

Any automobile insurance policy's usefulness is determined by the coverages it gives to the car owner. Before acquiring a vehicle insurance policy, you should constantly review and evaluate the coverages provided by various policies. Keep in mind that coverage varies greatly based on the kind of plan and the provider. While a third-party car insurance policy only covers third-party liabilities such as property damage, bodily injury, and death caused by an insured's vehicle, a comprehensive car insurance policy also covers the insured's vehicle's own damage in addition to third-party liabilities.

  • Discounts

There are a number of discounts available to help you reduce the cost of your auto insurance. For example, if you are an AAI member or if you install anti-theft gadgets in your car, you can get a discount. As a result, while purchasing an insurance coverage, make sure to check out all of the available savings. More information about vehicle insurance discounts may be found here.

  • Garages in a Network

For physical damage to your automobile incurred during the validity of your car insurance plan, the network garages of your insurance carrier provide cashless car repair services (up to the sum promised subject to the plan's coverage). As a result, while purchasing a car insurance policy, you should evaluate how extensive and robust an insurance company's cashless garages network is. On our site, you may learn about the network garages of various insurance providers.

Take Away

You should always keep the aforementioned points in mind when choosing a vehicle insurance policy so that you have a pleasant experience, especially when it comes to settling a car insurance claim. Comparing auto insurance rates is now easier than it has ever been; you may do so online. With the press of a mouse, you can acquire quotes from as many companies as you like and pick the best policy and insurance provider for your individual insurance needs.

Also read: Car Insurance Calculator: Learn How To Find The Premium Online

What Are The Various Types Of Car Insurance Policy Available In India?


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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Written by Amit Jain
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 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. In his free time, Amit likes to play cricket.

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