TIPS FOR PURCHASING CAR INSURANCE

EVALUATE ONLINE Go to top car insurance sites and check carefully what different insurers are offering. Also, note what is covered and what is not in the different comprehensive car insurance plans, or else go to a web aggregator site

BUY WHAT YOU NEED There are so many add-ons you can buy, but select those which you really need. For instance, if you regularly drive with people in the back seat, getting a passenger cover add-on makes sense. But, if you travel alone or it’s only the seat beside you that is usually occupied then this add-on is not useful to you. Hence, it is important to lock in on the necessary add-ons you need and then compare the premium charged by various insurers. Always compare insurance plans thoroughly.

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DETERMINE YOUR CAR’S VALUE It’s always beneficial if you calculate your car’s depreciated value. This gives you the knowledge to negotiate with your insurer for the most favorable premium amount thus saving you the burden of paying hefty premiums.

GO FOR COMPREHENSIVE CAR INSURANCE One of the significant benefits of buying comprehensive car insurance is that you save premium by opting for higher deductibles. On the other hand, for instance, when you only go for liability insurance, it has no deductible amount and it only compensates for the damage caused to others during an accident.

CONCLUSION The above tips will help you go through the process of car insurance with ease and buy one without any confusion. Last but not the least, after you get your insurance, don’t forget to keep building up your NCB or ‘no claims bonus’ discount portfolio. Insurers reward car owners who manage to drive safely and not apply for claims by reducing premium. Hence, increasing your NCB status can help you to get a cheaper car insurance policy.

Navnit Insurance Broking Private Limited 172, Solitaire Corporate Park, Building No. 1, 7th Floor, Andheri-Ghatkopar Link Road, Andheri (East), Mumbai, , Maharashtra, India IRDAI Broker License No. CB/446/09 Product information is authentic and solely based on the information received from the insurer. Sales Assistant: (022) Claims/Service: (022) Toll free number: