Cheapest cover is not the best cover
Some people are full of assumptions. Firstly, since car insurance is mandatory in India people buy it without any keen interest. Secondly, the major assumption is cheapest is the best cover. However, there’s one important thing to be clear about, when you compare car insurance quotes you’re not trying to get the cheapest policy. You’re trying to get the best price for the right policy for you.
Most car insurance comparison tools will have an easy way of showing which policies include extras such as benefit riders, legal protection, key replacement materials and additional facilities or flexible payment options. When you’re comparing policies, make sure you look at the insurers offering the protection you actually need.
Don’t go for excess
While increasing excess things may make a policy cheaper, it can be risky. Never increase the excess to an amount you would struggle to pay because you will need to pay out before insurer pays it to you.
Not all insurers’ providers list themselves on price comparison websites, so you won’t be able to compare them in one go in terms of monetary benefits. Therefore, it is advisable to get a quote directly from their websites, as they may be willing to offer you a better deal.
Add someone to the policy
It may seem unlikely, but adding an additional driver to your policy – especially if they are an older and more experienced motorist can bring the cost of cover right down. Don’t make them the main driver if you wish to, but add them as a named driver and see if you’re offered cheaper cover.
Don’t let assumptions hinder minds…
When you compare car insurance an insurer will make certain assumptions and it’s up to you to make sure these are correct. Typically, for car insurance these include that you have never had a conviction and that your car has no modifications. Always read small print on the policy documents, terms and conditions properly so that you’re clear on what assumptions have been made, and ring your insurer to discuss if there’s an issue.
Discounts & Waivers
Look for the discounts wherever available on car insurance as it will help you decrease your premium rates. Most general companies have tied up with various credit/debit companies and offer valuable discount if you shop online with these particular cards. So look for these facts while comparing insurance policies. Most insurers offer safe driver discounts that will help you get down rates for your clear records of car mishaps for a least a year or longer.
Talk to customer service agents and get a complete idea on the services company would be offering to their clients, before you buy a policy. Always understand the approach of customer service agent on the phone which will help a prospective car insurance customer to know how they would be dealing with a company once they become policy holder. This will be one of the major aspects of communication to keep in mind when you compare care insurance. Healthier is the communication the better it is to reap the benefits.
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