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InsuranceLegal

Best Ways to Compare Car Insurance Policies

Cars have become a necessity as opposed to a luxury today. It is worth the investment to manage daily commute. Finding a suitable model for your needs makes sense, given the hefty price. Hence, most car buyers spend months selecting the perfect automobile fitting their budget and requirements. But merely purchasing the vehicle is not enough. You must protect it against unprecedented mishaps. 

Hence, the Motor Vehicles Act mandates securing it with Car Insurance. This is the best way to protect your prized possession from unruly road conditions and accidents. The minimum requirement is a Third-Party Policy. However, choose to extend the coverage with a Comprehensive Plan. In both cases, getting the best offer is crucial. You do this by comparing insurance providers. Here are the best ways to do so: 

Choose coverage

This is simple yet the most important. The coverage decides the effectiveness of your Car Insurance Policy. Third-Party Policy is limited to covering liabilities, while Comprehensive Plan provides extensive options. This does not mean that maximum coverage is the best. The key is to understand your requirements and budget to evaluate the offered coverage. This way, you compare the policies calculatedly. 

Shop around

The fundamental of comparison depends on research. Hence, this is the next step after evaluating your needs. As insurers include the required details on their portals, comparison becomes easy. Visit multiple websites to study their offers and applicable charges to shortlist suitable insurers. This is the best way to get the ideal deals in the sea of competitive rates. You may do this even during Car Insurance renewal to port your policy for a lower premium. 

Consider reputation

After the compulsion of the Car Policy by Motor Insurance Act, insurers have surfaced online. They have different service perks, claim settlement ratios, and discounted offers. This tempts you to go with the most appealing one. But before opting for one, ensure to do a background check. This way, you avoid unauthentic policy providers and have reliable service. 

Read fine print

For checking authenticity, read the policy papers. Before signing on the dotted Insurance statement, consider the registration and other details. The Insurance Regulatory and Development Authority or IRDAI governs all authorised insurers in India. Check these aspects before buying online Car Insurance. Also, understand the clauses carefully for hidden charges and important Insurance terms. 

Understand features

Unlike Third-Party Policy, a Comprehensive Plan comes with a host of features. If you wish to opt for the latter, check the characteristics. Not all insurers have the same inclusions. They tailor it based on their policies. Hence, study them to avoid any surprises later. Besides, look into the riders provided along with the basic coverage. You can choose the same while buying Car Insurance online. 

Study inclusions and exclusions

Irrespective of the plan type you buy, reading this section is crucial. It affects the claim settlement process. Although inclusions are mentioned in the coverage section, it helps scan through this clause for clarity. Also, the exclusions clause specifies the aspects not covered under the policy. Go through it carefully before raising claims to avoid rejections.

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