How To Compare Car Insurance To Get The Best Deals And The Best Cars

When you start to compare car insurance andfind different quotes of car insurance from various companies, it is easy to get overwhelmed with the wide variety of choices and options that are available today. Motorinsurance is very important when you have a car. Whether it is for unforeseen repairs, accidents, maintenance problems or even theft and vandalism, car insurance can give you peace of mind knowing that your expenses are covered. There are a number of features available in car insurance which have to be considered carefully before select one for you. Here is all you need to know in order to get the best deals and the best cover for your cars.

The different types of car insurance

·         Comprehensive plans: This plan offers coverage for any damage caused by the policy holder as well as the third party’s legal liability. Also covered are factors such as damage caused by natural disasters as well as theft.

·         Third party liability insurance: These plans offer coverage for injury to third parties, damage to property, as well as accidental death. This is a compulsory requirement in the country for all vehicles.

There are usually three segment of vehicles which are covered under motor insurance, which is for two wheelers, private cars, and commercial vehicles.

The premiums and deductibles to be considered

One way to decrease the premium on car insurance is to increase the deductible amount. A deductible is the amount of money paid by the policy holder towards repairs before coverage by insurance.

What to look out for in car insurancecoverage

Some of the important things to be covered in a car insurance package are loss or damage to the car in the event of both man-made calamities and natural disasters. Man-made calamities could be damages incurred during transit, theft, riots, vandalism, etc. Natural calamities could be storms, floods, fire, etc. There are also optional coverage features such as NCB discounts, roadside assistance when stranded, PA cover for both drivers and passengers of the car, etc. When choosing a policy, it is best to go for both the basic coverage as well as add-ons that you consider appropriate for your particular circumstances. For example, if you live in an area that is prone to floods, it would be wise to go for this coverage but if you feel you live in a relatively safe region that is immune to natural disasters, then you may not need to choose this option.

What are the situations in which carinsurance cannot be claimed?

Car insurance will not be valid if the person was driving without a driving license that is valid, if the car has been significantly damaged over time, if there has been any damages to the engine, if the insured was under the influence of alcohol or drugs, if there was any oil leakage, if the car manufacturer’s guidelines were not adhered to by the holder, and especially if the policy has expired or not been renewed.

 This content has been written by an Insuring India  t who shares tips and strategies that helps comparing car insurance plans easier, helping people to make a well informed decision.