How to find the best car insurance in India?

Finding the best car insurance in India is a little tricky. This is because the term ‘best’ is very subjective. Take cars for example – what you think is the best car is not always the best car for someone else. The same goes for car insurance. So instead of looking for the best policy, try and look for a policy that best suits your needs and provides the coverage you want. Not sure how do this? The following article will help you out!

1. First understand your needs.

Finding the best car insurance in India begins with understanding your own needs. Firstly, you need to ask yourself whether you want affordability or protection. If affordability is your main objective, then you should opt for third part insurance. These are very basic in nature and they are also extremely affordable.

Third party plans only cover third part liability. This means that they pay for damages & injuries suffered by others in an accident you are part of. However, these plans do no cover damages of your car. It is mandatory to have at least third party insurance to drive your car on Indian roads. If you choose third party insurance, there’s not really much comparing involved. The premiums will be similar across all insurance providers.

However, if you want protection, then you’ll need to opt for comprehensive plans. These plans offer coverage against damages & total loss due to numerous unfortunate events such as accidents, acts of nature & manmade calamities such as theft, riots, etc.

2. Shortlist plans.

If you opt for comprehensive insurance, you need to shortlist a few plans. You can do this by comparing all the available option on the basis of certain important factors. These factors include the claim settlement ratio, the number of cashless garages, the reviews, the number of add-ons on offer, etc. The best car insurance in India will have a claim settlement ratio higher than 90% and have over 4,000 network garages.

3. Apply for instant quotes.

Once you’ve shortlisted a handful of plans, you can apply for instant quotes. This will give you an idea of the price points of all the shortlisted options. To get quotations, all you have to do is visit the insurance provider’s website, find the ‘get a quote’ button and click on it. After this, you will be redirected to a form that will require some simple details – type in this information and hit the enter button. Within seconds you will have instant quotes.

4. Buy the plan that provides the best deal.

Once you find the plan that offers the protection you want at the lowest price, all that’s left to do is make the purchase. This is extremely with the internet, just fill in your details and the information about your car. Finally, you will have to make the payment and then you’re done! The policy document will immediately be sent to you through an e-mail.

We hope these tips will help you find the best car insurance in India for your needs. Good luck and drive safe!