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Which Is The Hassle-Free Method Of Buying A Car Insurance Policy?


Written by Amit Jain

Updated Oct 18, 2023

Which Is The Hassle-Free Method Of Buying A Car Insurance Policy?

All automobile owners in India are required to obtain a third-party liability insurance coverage. Your insured car is shielded against several unanticipated responsibilities and unexpected financial hassles by having the appropriate coverage. A vehicle insurance coverage may be purchased in a number of ways.

Which Is The Hassle-Free Method Of Buying A Car Insurance Policy?

Technology development has made it simpler to supply insurance goods and services. You may search, contrast, and select the best plan for you using a smartphone and an active internet connection. Therefore, purchasing auto insurance online is the most practical, efficient, and hassle-free procedure. To know more ways to get vehicle insurance coverage, read on.

Tips to Buy Car Insurance in a Hassle-Free Manner

Following are some of the tips which you can follow to make your car insurance buying experience a hassle-free one -

  • Buying A Car Insurance Policy Online

By conducting internet research, you may quickly obtain information on auto insurance coverage and providers. On the internet, a number of insurers are providing different policies.

You must, as internet shopping is the simplest option. Thanks to online insurance aggregators or brokers, you can compare the many automobile insurance policies available in the market. You may enter information about your vehicle to check the plans' coverage specifics and premium costs. Then you may evaluate the plans side by side and select the one that best suits your needs.

  • Doing Personal Research

Buying Car insurance is not very difficult. You can really locate the greatest auto insurance coverage on your own now that the digital age has arrived thanks to new insurance providers.

While the showroom or agent-based approach to purchasing auto insurance has long been the norm, internet insurance providers have also made it simple for you to browse their website, evaluate the coverage, and make a wise choice.

  • Analysing And Comparing

If you browse websites that compare auto insurance and, after doing your research, choose the most affordable insurance plan, the protection could not be sufficient to compensate for any losses. Essential Add-ons like Zero Depreciation, Engine Protection Cover, No-Claim Bonus (NCB) protection, Consumables Cover, or Return to Invoice may not be included in the price.

  • Getting A Plan With Comprehensive Coverage

Pay close attention to which of the offered vehicle insurance policies provides the broadest spectrum of coverage while comparing them. Although all plans have the same fundamental coverage features, certain plans include additional features that set them apart. They are referred to as policy add-ons. Some add-ons are included in various plans, while others need a separate fee. Select a plan that offers both good built-in add-ons and a selection of add-ons from which you may choose based on your needs. Your claim would be settled more quickly if your insurance was comprehensive.

  • Checking Claim Process Of Insurance Policies

When it comes to handling claims, different insurance firms employ various procedures. Consider the plan's claim handling procedure before selecting a plan. Fully comprehend the procedure. Contact the customer service agents of the website on which you are reviewing the plans if you need assistance. You shouldn't purchase the coverage until you have a clear understanding of the claim procedure and believe it to be straightforward.

  • Looking for the Right  IDV for Your Car

The current market value of your vehicle is its insured declared value (IDV). Furthermore, this is not related to the car's resale value. IDV directly affects how much you pay for insurance. This represents the maximum payout from your insurance in the event that your automobile is a total loss. Selecting the appropriate IDV is crucial. Your premium will rise if you select a larger IDV, whereas a lesser IDV will result in insufficient insurance protection. Choosing the appropriate IDV is therefore crucial while looking for the best auto insurance.


Choose to purchase vehicle insurance coverage online for a hassle-free experience. Additionally, in order to receive a good bargain, you must be aware of your inclusions and exclusions. If purchasing a policy online stresses you out, you can go straight through the insurance company's website or with an agent instead. However, you must have coverage for at least third parties since it is required by law.

Also Read: 

When Can You Make Claims For The Bajaj Allianz Car Insurance?

Everything You Need to Know About Personal Accident Coverage in Car Insurance


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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