Car Insurance Quotes

The cost of a car insurance quotes is known as premium. The premium for a third party plan is fixed by the Insurance Regulatory and Development Authority (IRDAI) for different engine capacities. However, the premium for standalone own-damage and comprehensive car insurance plans depend on a number of factors such as extent of coverage, make, model and variant of the car, type of fuel, RTO location etc.

Factors Affecting Car Insurance Quotes

There are a number of factors which affect the premium quote of a car insurance plan. Some of them are as follow:

1.Type of the Plan

The premium of the plan depends on the coverage opted. Wider the coverage, greater the premium.

2. MMV of Your Car

The primary factor which affects the premium quote of your car insurance policy is your car’s MMV - make, model and variant.

3. Fuel Type

Another factor which affects the premium quote of an insurance policy is the fuel type of the car. Different premiums are charged for diesel cars and different premiums are quoted for petrol cars.

4. Policyholder’s Profession

Insurance companies give weightage to the correlation between the policyholder’s risk of accident and their professions and hence adjust the premium accordingly. People involved with professions such as cab drivers, delivery agents are usually at a higher side of risk and thus relatively higher premium charged to me.

5. Policyholder’s Credit Score

Many insurance companies take into consideration the credit score of the applicant to determine the Car Insurance Premium.

6. Car Size

Generally larger cars are considered safer than smaller cars in accidents. Therefore, often insurance companies offer relatively lower premiums to bigger cars than smaller ones.

7. Car’s Safety Rating

Buying a car with a high safety rating means can help you get a car insurance plan at a relatively lower premium due to increased safety and lower chances of meeting an accident.

8. Policyholder’s Driving History

If the owner of the car has been in accidents or has made previous car insurance claims, the insurance company will tend to charge a relatively higher premium to such individuals.

How To Use Quotes Calculator at InsuranceDekho?

To use Car Insurance Quotes Calculator, you need to follow the following steps:

Step 1: Go to InsuranceDekho

Step 2: Select car and write your registration number. If you don’t know the car number then click on “Don't know your car number?” and select the brand, model, feel type, variant, registration year and registration city.

Step 3: Proceed by entering your name and mobile number

Step 5: Click on “Submit and Get Quotes”. Customized quotes for you will appear on the screen.

Confused for Policy Type?

  • Comprehensive Car Insurance
    It is not a mandatory but recommended plan for car owners
  • Third Party Car Insurance
    It is mandatory as per Indian Motor Tariff for all car owners in India

Add-ons For Your Car Insurance Policy

  • Zero Depreciation

    A car's value depreciates constantly with time. Thus, at the time of a claim settlement, the depreci...

    Read More
  • NCB Cover

    A No Claim Bonus (NCB) is a discount given by the insurer in the premium amount to a car insurance p...

    Read More
  • Engine Protection Cover

    A car's engine is by default not covered under either a comprehensive or a standalone own-damage car...

    Read More
  • Invoice Cover

    If you have a return to invoice cover added on to your comprehensive car insurance policy, you can c...

    Read More

Find Right Car Insurance Quotes by Cars Body Type

  • Hatchback
  • Sedan
  • SUV
  • MUV
  • Luxury

Car Insurance Quotes Frequently Asked Questions (FAQ's)

  • What does a car insurance quotes mean?

    The car insurance premium refers to the cost of the insurance plan taken for the car.

  • Is the premium for comprehensive car insurance the same for all cars?

    No, the premium for comprehensive car insurance is not the same for all cars. The premium for the plan varies depending upon the MMV (make, model and variant) of the car, its engine capacity, its age, the add-ons opted for, and a number of other factors.

  • How can I lower the insurance premium for my car?

    You can lower the insurance premium for your car by following the below-mentioned tips: Always compare the plans offered by different insurance companies and select the one which best suits your requirement. Install ARAI (Automotive Research Association of India) approved anti theft devices in your car and get a discount of 2.5% (up to Rs. 500) on the own-damage premium of your car insurance policy. If you are a member of the Automobile Association of India (AAI) then you are eligible for a discount on your car insurance premium amount. Avoid making claims for small expenses so that you can keep your No Claim Bonus (NCB) discount intact. Always transfer your NCB at the time of policy renewal.

  • How does the age of the car affect the car insurance premium?

    The Insured Declared Value (IDV) offered by an insurance company for an old or aged car is lower than that of a new car. The age of a car affects the IDV because of the depreciation loss suffered by the car. Thus, the premium amount for aged cars is lower than that of brand new cars.

  • How to compare car insurance quotes at InsuranceDekho?

    At InsuranceDekho, you can compare different car insurance quotes easily and quickly. All the quotes which get displayed to you are customized according to the details shared by you. Thus, you can compare the quotes basis the available coverage and other features offered by the car insurance plans.

  • For how long do car insurance quotes remain valid at InsuranceDekho?

    At InsuranceDekgo, the generated car insurance premium quotes generally remain valid for around 10 days, however, they may change if the premium rates shared by insurance companies change or if the age of the car gets changed during the period.

  • How to get car insurance quotes online at InsuranceDekho?

    You can get the best car insurance quotes at InsuranceDekho by following the below-mentioned steps:

    Step 1: Visit and click on the tab for ‘Car’.

    Step 2: Enter your car’s Registration Number. If you do not remember your car’s registration number, please choose the ‘Don't know your car number?’ option.

    Step 3: A pop up window will appear. Now, select your car’s brand name, model, fuel type, variant, registration year, registration city and RTO.

    Step 4: Enter your personal details - Name and Mobile Number. Click on ‘Submit and Get Quotes’.

    Confirm the expiry date of your previous car insurance policy and the name of your previous car insurer.

    Step 5: All available premium quotes from different insurers will be displayed to you.

  • How can I find cheaper car insurance quotes online?

    You can find cheaper car insurance plans by comparing different quotes. You can do so by visiting InsuranceDekho and selecting the quote which best suits your requirements.

  • Are car insurance quotes free?

    InsuranceDekho offers the service of comparing insurance premium quotes for your car for free. However, you need to pay the premium at the time of buying a car insurance plan.

  • Is the lowest premium quote the best car insurance quote?

    No, the lowest premium quote need not be the best car insurance quote. The best car insurance plan is the one that meets your requirements like coverage, affordability, etc in the best manner. Thus, the premium quote is one of the basis and not the sole parameter for determining the best car insurance plan.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.