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Car insurance to buy online

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  • This Week's Pick Benefits of National Car Insurance The National Insurance Company Limited (NICL) is a Central Government owned insurance company that is based in India. The company has been rated as the best provider for motor and health insurance in India. The Motor Insurance policy from NIC comes with a number of attractive features like protection against theft, damage, or against any damage incurred due to the involvement of your vehicle in an accident. The car insurance policy also covers third party liability. In these cases, any damage or loss caused to property, injury or death of another person, the policy covers any such loss. There are certain exclusions to the car insurance policy. Some of these exclusions are any loss, wear and tear that occurs due to prolonged usage as well as any mechanical or electrical breakdowns, damage to the tyres of the automobile, any damage or accidents that happen when the driver is under the influence of a substance or alcohol and any cost that is incurred for labour and automobile parts during regular services. As India’s oldest insurers, National Insurance Company has been providing its customers with tailor-made products that fit the needs of the people. People who want to enjoy a simple, robust, all-inclusive and scalable insurance policy can opt for one that’s provided by the National Insurance Company. Read more...

What is Car Insurance?

In 21st Century India, owning a car has moved beyond being a status symbol to an everyday necessity. Being a car owner proves your financial independence, puts you in a refined league of your peers and wins you some much-needed brownie points with the family. But, the joys of owning a car could be short-lived if say, your vehicle meets with an unfortunate and untimely accident, is stolen, is lost in a raging flood, or worse - if it turns up to be the cause of an accident that costs the life or property of a complete stranger. These situations can be disastrous, costly and frustrating!

Car insurance is an insurance provided towards loss or damage of a vehicle such as a car, or commercial vehicle. It is a policy purchased by the car owner to mitigate costs incurred due to the accident that caused damages to the vehicle. Instead of paying through their own pocket, car owners pay premiums to an insurance company and the company pays most of the costs associated with the accident. The premium amount payable towards car insurance is decided by factors such as type of vehicle, age of the vehicle, age of the insured, insured declared value, etc. A car insurance covers for liability, property, and medical expenses. Although it is compulsory for vehicle owners to have insurance, some prefer to purchase additional insurance to ensure further protection.

Enter, Car Insurance. This handy insurance policy covers you against the uncertainties that could befall your cherished vehicle and protects you against the probable financial losses. Car Insurance is usually very easy to purchase, to renew, and a number of reputed insurance companies and wealth managers count this as one of the premier products in their arsenal.

Types of Car Insurance Policies in India

In India, the following types of car insurance policies are in vogue. These policies are categorized based on their overall applicability and are targeted at specific conditions that can impact your cherished vehicle. Broadly speaking, motor vehicle insurance are of two types-

  1. Comprehensive Car Insurance
  2. Third Party Insurance

Comprehensive Car Insurance : As the name specifies, Comprehensive Insurance accounts for a complete range of negatively impactful things that could happen to your vehicle. This includes robust protection from damage/complete loss of car, injury/death that occurs to self, injury/death endured by fellow passengers and/or contracted driver and protection against third party liabilities. Almost all commonly occurring factors are accounted for, including fire, flood, theft, riots, terrorist activities, accidents, etc.

Third Party Insurance : In essence, Third Party Car Insurance doesn’t provide any coverage for the damage/complete loss endured by your vehicle, or the unfortunate injury/death that befalls the insurance holder. This specialised insurance policy serves as financial protection when your vehicle is involved in/is the originator of an unfortunate accident that results in the destruction of third party property and/or involves injury/death of a third party individual. In such cases, the affected party is likely to push you for damages/compensation and the same will be serviced by the applicable third party liability insurance. Thankfully, Indian laws make it mandatory that every car be insured with a basic third party insurance component.

Compare Before Buying the Best Car Insurance Policy Online

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Want another reason to love the internet? How about the absolute ease and speed of comparing online a whole bunch of viable car insurance options?

The best car insurance policies are out there and the World Wide Web offers you the personal, safe and time bound medium to explore them all.

The internet is awash with third party websites that help you compare between the various car insurance policies available to you, from insurers both big and small.

This definitely beats spending oodles of time, manually comparing between the various options- all the commuting, enquiring and double checking, is history!

Humanity is an evolving species, right? The tested fundamentals of old are being slowly, but surely, replaced by modern day options that piggyback on the limitless possibilities offered by the internet.

Comparing car insurance online between the various supposed ‘best’ car insurance policies is just one of the many advantages offered by the modern era of technology and the digital revolution.

Why not indulge in them and gather the most updated, correct and easily retrievable information out there?

If you are a vehicle owner, car insurance is definitely a very thoughtful (and compulsory) investment. And, if you are looking out for an all-encompassing car insurance

policy, find the one that perfectly matches upto your requirements and limitations, online.

What Terms are Usually Covered by a Car Insurance Policy?

  1. Loss or Damage to your Vehicle :

    The average car insurance policy covers the loss or damage endured by your vehicle due to the following reasons,

    • Natural Mishaps: Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide etc.
    • Man-made: Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air, etc.
  2. Personal Accident Cover: As part of the overall car insurance, most insurers provide personal accident cover in the event of your unfortunate accident while driving. This accident cover can also be extended to passengers, whose number must usually equal the maximum permissible occupancy in the vehicle, as stipulated by the vehicle manufacturer.
  3. Third-Party Legal Liability:The policy also provides for scenarios wherein your vehicle might have been the cause of/ been part of an accident that resulted in the injury, disability or death of an individual (not directly related to you) or caused damages to a third-party property.
  4. Additional Covers:Most policies also include provisions to add additional protection for the various secondary components of the vehicle, including electrical/non-electrical accessories, fog lights, stereo system, mats and seat cover etc. Implementation of bi-fuel injection systems, such as for CNG or LPG, can also be covered.

Car Insurance Add On Covers - Optional But Most Important

The following add-on covers are optionally available, and offer features that might not be entirely covered in the original, comprehensive car insurance policy. These optional car insurance add-on covers offer additional teeth, to your already loaded vehicle insurance policy.

  1. Roadside Assistance- An advantageous resource that plays its part when your vehicle suffers an accident or is rendered immobile due to any number of mechanical/electrical problems. Services include, towing, jump starting a battery, fueling up, help from a mechanic, replacement of keys, etc.
  2. Garage Cash- This car insurance add-on provides for the usual transportation and commute of the owner/driver when the vehicle in question is in the garage for an extended duration of time.
  3. Zero Depreciation Cover- This add-on cover allows you to claim the entire amount for the repair and replacement of damaged parts of your car. Thus, you do not lose money over the depreciation factor- the reduction of the price of the vehicle/spare parts, due to natural wear and tear that occurs from prolonged usage and normal passage of time.
  4. Voluntary Deductible- This clever add-on cover allows you to lower the payable premium amount by increasing the deductible amount in case of a claim. In such an event, the amount of voluntary deductible is borne by you. This add-on cover suits the confident driver, who could use a discounted premium.

The Car Insurance Add On Covers mentioned above are just the tip of an iceberg. Insurers, in their own capacity, offer many more add-on covers that add additional value to the existing comprehensive car insurance policy.

Top Car Insurance Companies in India

“Based on IRDA Annual Report 2015-16 on Business Revenue of Insurers”

  1. ICICI Lombard Car Insurance If you scan across a multitude of popular media, the ICICI Lombard car insurance review will be found to be very encouraging and superior as compared to its immediate competition. A robust, customer oriented and hassle free insurance plan, the ICICI Lombard Car Insurance is designed for the busy, on-the-move Indian. Packed with such features as immediate online policy issue, on-road assistance at anytime and anywhere, over 3100+ network garages and a series of thoughtful riders including ‘Zero Depreciation Cover’ and ‘Accidental Cover for Co-Passengers’, this policy works hard to qualify as the ideal car insurance option for you. No wonder, the company is an absolute trendsetter when it comes to car insurance.
  2. Bajaj Allianz Car Insurance The car insurance packages from Bajaj Allianz are a very popular option with the everyday Indians who are proud owners of their very own set of wheels. Feature rich, customer centric, transparent with easy documentation, Bajaj Allianz Car Insurance comes with such irresistible features as cashless claims at over 1500 garages across India, competent 24x7 customer service, easy claims assistance and the option to purchase and renew the policy online. The handy Bajaj Allianz car insurance calculator available on our website, helps you pinpoint the exact dynamics of your investment and stay on top of things. The Bajaj Allianz Car Insurance is a solid loan option that has enjoyed immense popularity and support from the point of its inception.
  3. Reliance Car Insurance The car insurance package from Reliance, one of India’s iconic conglomerates, is tuned to be highly customer oriented, hassle free and reliable. The list of features and benefits are many, including, limited documentation, cashless facility at 2100+ member garages across India, easy and hassle free claim settlement as well as comprehensive on and off the road insurance that is in line with international standards and configured to take minimum time, minimum efforts and impart maximum feedback and consequently, peace of mind. Reliance Car Insurance has managed to build a staunch following in India, comprising mainly of the busy, always mobile, quality conscious and technology driven Indians.
  4. Tata AIG Car Insurance With such unique features as free car pick up in the event of an emergency, direct and hassle free settlement within 7 days, no claim bonus protection and coverage for non-core accessories like glass and plastic parts, Tata AIG was bound to be a key player in the car insurance segment- and the Tata AIG Car Insurance review from a plethora of satisfied customers amply proves this. The company is a collaboration between two business behemoths, the Tata Group and the American International Group, Inc. (AIG), thereby assuring that professionalism, domain expertise and quality are part of the deal when you purchase car insurance from Tata AIG. If you seek a robust, scalable and reliable insurance option for your cherished set of wheels, then Tata AIG Car Insurance is one of the best in the industry.
  5. Royal Sundaram Car Insurance The age old adage of ‘with experience comes perfection’ sits well with the Royal Sundaram Insurance Company. Licensed since 2001, the Royal Sundaram Car Insurance is a feature rich package that pales its competition in terms of the sheer customer centric options offered. 1800+ cashless garage network across India, 24x7 claims assistance, unlimited claims for zero-depreciation cover and free roadside assistance in the case of emergency makes the car insurance policy from Royal Sundaram a definite advantage. Enjoy peace of mind, cut loose and stretch your car’s running legs with a policy that is designed to have you covered at all times. Burn some rubber without worrying about a flat tyre, a breakdown or accident, Royal Sundaram’s assistance is with you anywhere and everywhere.
  6. Bharti AXA Car Insurance A car insurance policy that’s designed to protect your car, and importantly its passengers and you; Bharti AXA Car Insurance is a clear crowd favourite. Based on a multitude of customer feedback, the car insurance can be pegged as being exceptional, extremely car owner friendly and with a short turnaround time in terms of claim settlements. The essential features of this car insurance policy includes cashless servicing at 2000+ network garages across India, easy 24x7 claim assistance that is backed by a hassle free claims settlement process, and a string of helpful add-on covers. As one of the most popular general insurance companies, Bharti AXA has established its credibility on the back of quality driven processes and adoption of their cherished customers’ concerns as the guiding light that prompts the introduction of newer insurance products. No wonder, when it comes to Bharti AXA car insurance review, there are cheers everywhere!
  7. HDFC ERGO Car Insurance What happens when an Indian banking giant meets a world-beating general insurance pioneer? You get HDFC ERGO General Insurance and its premier product, the HDFC ERGO Car Insurance an insurance policy that is close to the popular public expectations, this car insurance comes loaded with lots of customer centric features and benefits. The list includes cashless claims service at 1600+ member garages across India, a dedicated and expert customer support team that’s always at your beck and call, easy and hassle free claims process and instant online policy issuance and renewals. HDFC ERGO has established itself as a premier car insurance product amongst the discerning Indian public.

Know More About Top Car Insurance Companies in 2016

Get The Benefits Of Buying Car Insurance Online

In principle, the act of purchasing your car insurance online saves time, effort and the expenditure of money and patience, to varying degrees. Elaborating, the perks of latching onto a online car insurance policy are summarized as follows-

Hassle Free Process- Unlike visiting an actual outlet of the insurer, the online car insurance application process is simpler and quicker. Plus, there are no documents to submit or verifications to affect immediately. Thus, within a very limited, clearly defined steps, you are the proud owner of a comprehensive car insurance policy. All of this, from the comfort of your abode or the workstation at your office!

24x7 Coverage- The inherent speed of policy issue that is a principal characteristic of acquiring a online car insurance plan ensures that you are never without coverage. With the purchase of your car insurance online, get instantaneous policy issue with e-copies of the policy that can be accessed anytime, anywhere and printed out.

Everyone is Doing it- Most of the domestic and international car insurance providers operating in India provide the option to purchase or renew your car insurance online. It’s all about customer comfort, right?

The other benefits of subscribing to the e-route include the freedom afforded to you when choosing from a big list of insurers via their online profiles, and the option to conduct business the electronic way without involving money in its physical form. Bottomline, the manifestation of car insurance online is here to stay!!

Things To Remember Before Buying Car Insurance Policy

A car insurance policy offers comprehensive protection and safeguards against legal hassles & expensive repairs in case of a mishap involving the insured car. Choosing the right car insurance can be quite tasking. Not all the policies available in the market gel well with your expectations. It is important to engage good amount of time and resources in learning about benefits & features of policies available in the marketplace to ensure you get the best car insurance policy.

Some of the key considerations should revolve around the following points.

Claim Settlement Ratio
  • How many claims did the insurer receive during a stipulated period and how many were fully settled?
  • You can lookup for data on claim settlement on the insurer’s portal or scout for relevant forums online for reference.
  • Higher the claims settled, better are your prospects of a hassle free claim if a need arises in the future.
Insurance Premium Amount

Money plays a pivotal role in choosing the right car insurance policy. At the end of it, we would like to have a policy that has the best features at a nominal price.

  • Compare car insurance pricing online
  • Get quotes and decide
  • Inquire about hidden charges
  • Estimates for add on coverage
After Sales & Customer Service

A customer friendly insurer understands that efficient customer support is key to customer satisfaction & invests fair amount of resources in building an efficient customer service team.

  • Understand the efficacy of after sales and customer service
  • Read about experiences posted by existing customers
  • Review sites and online forums.

In addition to the above, smaller facets such as network garages & workshops, cashless benefits, brand value should be explored before buying a car insurance.

How to claim car insurance policy?

Car insurance protects the interests of a car owner and safeguards it against expensive repairs and damages caused to self, the insured car and third party. We must take utmost care while driving by following traffic rules and by navigating safely to our destination. Having said this, there can be an unfortunate accident involving the car resulting in damage and/or casualties. In such situations, the car insurance comes handy, helping you to meet the financial obligations relating to the mishap.

The claims procedure can be complex if you do not understand the dynamics surrounding it. Let us tell you more about how you can make it an easy experience.

Claim for Own Damage

In case of a major accident resulting in heavy damage to the car,

  • Inform the insurer immediately.
  • Record a claim and if required by the insurer, you may have to report the incident in the local police station.
  • Do not attempt to move the car unless confirmed by the insurer.
  • If it is a minor damage that does not require police intervention, move the car to a safe location & inform the insurer.
  • Raise a car insurance claim after assessing the damages. Upon authorisation by the representing surveyor, the claimant can proceed with the repair and replacement work.
  • You can pay and claim or if cashless facility is available, the car insurer directly settles the claim with the garage.

Third Party Car Insurance Claim

If the mishap involving your car resulted in damage or casualty to a third party that requires medical attention, shift the victim to a nearby medical facility immediately and call the insurer. The representatives will instruct you further on the action points.

Get More Info On Third Party Car Insurance

Theft Claim

If the car is stolen,

  • Report to the jurisdictional police and insist on an FIR(First Information Report).
  • Call the insurer immediately and inform them about the theft.
  • You will asked to provide a written complaint in the form of an e mail or a letter.
  • Follow the instructions provided for hassle free settlement of the car insurance claim.
  • Referring to the original policy document will help you in getting acquainted with the timelines and procedures.

How to Go for Online Car Insurance Renewal?

The modern world is online 24x7, affecting everything from shopping to clearing out EMIs with ease and reliability. Why must you wait in line to subscribe to a good car insurance policy? Banks has woken upto the advantages of offering car insurance renewal online and are ably supported by third party websites that compare the various available insurance policy products. The inherent procedure is as simple as-

  1. Know Your Requirements- How much car insurance are you looking for? What kind of premium amount are you comfortable with? What type of features and benefits would make for a comprehensive car insurance policy? Understanding your express requirements is always the first step.
  2. Go Online- Access the online portal of the chosen car insurance vendor and purchase the policy after complying with some basic Know Your Customer (KYC) procedures. Usually, requisite documents can be submitted at a later stage when claims are raised on the policy, rendering the online signup procedure that much faster.
  3. Car Insurance Renewal Online- The aforementioned online portal also offers motor insurance renewal. Respond to timely notifications from your insurance provider and pay your premiums on the portal itself. All of this is quick, robust and economical when compared to its traditional, offline version.

How to Purchase Car Insurance Online?

In the modern context, purchasing car insurance online has emerged as a popular option amongst busy people, especially working professionals dwelling in the metros and other big Indian cities. Car insurance companies too have woken upto the latent potential of offering motor insurance online, hosting comprehensive web portals that simplify the procedures of gaining information, signing up and renewing car insurance policies through the magic of the World Wide Web. How can you purchase car insurance online? Read on…

  1. Compare- Different companies, different car insurance products, and hidden somewhere in this pile is your ideal motor insurance policy. It pays to check out the various available options, in terms of the money you save and the additional features that you can get for the average buck.
  2. Login to Purchase- After selecting the ideal policy, it’s time to seek out the insurance provider’s website and check if the option to purchase the motor insurance online is available. Most well-known companies do, and the purchase procedure in itself shouldn’t take a great deal of time. Payments can be affected through credit/debit cards, or netbanking. Also, in most cases, provision of the requisite documents could wait until an actual claim is raised on the policy at a later date.
  3. Renew Online- If purchasing car insurance online was easy, periodically renewing the same is simpler. Just pay heed to the timely emails/SMS from your insurance provider and renew the policy just as how you purchased it in the first place.

The World Wide Web has simplified our lives in a whole range of ways- the option to buy car insurance online being one such uber convenience. Ditch the long lines and the confusion, compare and purchase your motor insurance policy online.

Why Do I Need Car Insurance?

This is a very good question. Why bother with the chicken when you are a Vegan, right? Primarily, the following five reasons should answer your query:

  1. It’s the Law Under the provisions of the Motor Vehicles Act of India, all vehicles that operate in public places must have a car insurance policy as a mandatory document. At the very least, the policy must cover ‘third-party liability’, that is, a cover in scenarios where your vehicle was the cause of an accident that resulted in injury, loss of property and/or death of a third party.
  2. Pay Little Today, Save Big Tomorrow According to recent estimates, every 6th car crash in the world happens in India. This is staggering odds and a likely indication that your car could very well end up on the side of the road one of these days, after a brutal crash that could have resulted in injury, death and of course, massive losses in terms of repairs and replacements for your car. At that instance, the compensation and charges could run into several thousand or lakhs of rupees that may not be immediately available. However, with Car Insurance, there is complete peace of mind - paying a nominal premium today, to be tension-free when an unforeseen accident happens at a later date.
  3. Saving Time When Accidents Happen Accidents are stressful on their own without having to deal with the question of ‘What next?’ With your car insurance, comes your insurer’s expertise in handling these tense situations. Walking you through the claims process, helping you find a good garage and settling your claim on time - things that you will be thankful for when dealing with the aftermath of an unfortunate road accident.
  4. A Supplement for your Health Insurance Most Car Insurance policies offer coverage for injuries that might be sustained by you and your fellow passengers as a result of your vehicle’s accident. If not, personal injury protection can be purchased as an add-on feature. This acts as a powerful supplement to your health insurance - additionally covering for items that might not be covered by your health policy, including specialist care for accident-related injuries, dental repairs, funeral costs etc.
  5. Sustained Peace of MindJust imagine, cruising on an open highway or wriggling through rush hour traffic without overtly worrying about the consequences (mostly financial) of a freak accident or an ‘innocent’ brush-up with an adjoining vehicle. Not having to pay for the mistakes of others. That’s mental peace - in it’s purest form!
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Hassle Free Online Car Insurance Renewal

In today’s fast paced world, getting things done online is nothing short of a divine boon. Car Insurance renewal online is today’s reality, and quite a popular one at that. Almost all car insurance companies in India provide their customers the option to renew their policies online, through simple net banking transactions, or the safe usage of credit/debit cards.

In the bargain, the customer saves valuable time, saves on the basic impetus of money as well as saves his/her often understated patience. The insurers on the other hand, offer this simple online renewal option and are assured of more inquisitive interest from their target audience, greater number of loyal repeat customers, and sizable savings in terms of setting up and maintaining the offline infrastructure. Online policy renewal is here to stay!

Exclusions- Incidents That Aren’t Usually Covered by the Policy

  1. General and natural ageing that results in wear and tear.
  2. Damage caused to vehicle when the driver wasn’t carrying a driver’s license, and/or driving under the influence of alcohol or other mood/mind stimulating substances.
  3. Mechanical or electrical breakdown.
  4. Damage to vehicle by war, mutiny or nuclear attacks.
  5. Depreciation in line with the market scenarios and other external conditions.
  6. Loss of the vehicle or damage incurred that can be sufficiently proven to be deliberate or consequential.
  7. Damage to the vehicle while it was being operated outside the borders of India.

When it comes to finding the best Car Insurance policy that works for your specific requirements, all you can do is ‘compare, compare and compare’. Our expert customer support team is always at hand to help you with your queries, and our uniquely simple website pays loads of respect to your need for functional beauty, user experience and simplicity of operation.

Simply, follow the flow and discover the best Car Insurance in tow. We wish you a lifetime of safe and happy driving…and the comprehensive protection of a robust Car Insurance when bad times strike on the road.

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Car Insurance FAQs

  1. Is owning a car insurance policy mandatory? Yes. According to prevalent motor vehicles laws in India, every vehicle plying on Indian roads must be insured.
  2. Is it possible to purchase car insurance online? Yes. Infact, the option to buy car insurance online is often highlighted by most compliant insurers as a surefire means to stay covered 24x7 and never run out of the applicable coverage.
  3. How do insurers calculate the applicable car insurance premiums? When deciding upon the applicable premium amount, many factors are at play. Different companies charge different rates, based on differing criterias, when it comes to own damage cover. Also, deductibles and the IDV factor play a part when the premium amounts are decided upon. Shop around, and find a policy that best matches your requirements- ideally, avoiding a scenario wherein the premium might be less but the deductibles are high and the coverage and IDV are low.
  4. What is ‘No Claim Bonus’? No Claim Bonus, or NCB in car insurance is the benefit awarded to the insured for not making any claims during the previous policy period. Currently, this bonus ranges from 20% on the Own Damage premium upto a maximum of 50%. Note that this doesn’t apply on liability premium.
  5. Is service tax applicable on the premium payments? Yes. The applicable service tax is in line with the regulations set by the Insurance Regulatory and Development Authority of India (IRDA).
  6. What documents must always be available in the vehicle for ready inspection?
    1. Copy of the Driving Licence of the individual driving the vehicle.
    2. Insurance Certificate.
    3. Copy of the vehicle’s Registration Certificate.
    4. ‘Pollution Under Control’ Certificate.
  7. What must I do if I lose my insurance policy? Getting a duplicate copy of your insurance policy is very easy. You could either approach your insurer’s office for the same or, if you have procured the car insurance online, print-out the soft-copy of the policy that was forwarded to you.
  8. What is IDV? The Insured’s Declared Value (IDV) refers to the current market value of your vehicle as fixed by your car insurance company. The IDV comes in handy when claims are raised in cases of theft or total loss of the vehicle. Your insurer arrives at your vehicle’s IDV by pitting the manufacturer’s listed selling price against the commonly adhered to depreciation percentage.
  9. What is Zero Depreciation Cover? Commonly offered as an Add-On, the Zero Depreciation Cover offers full settlement on your claim without the usual deduction affected for depreciation (or periodic reduction in value of the vehicle/automotive parts due to natural wear and tear caused due to normal usage). Deduction due to depreciation is a common factor with the normal car insurance.
  10. Why car insurance premiums differ from company to company? Car insurance premium rates differ from one company to another based on their own internal protocols. The company calculates your premium based on these factors- a) The risk posed by you to the insurer, b) the insurer’s operational costs, c) the estimated money that the insurer is likely to pay as settlement through the year.
  11. What are the factors to consider before buying a car insurance policy?
    1. Brand and track record of the insurer.
    2. Coverage and the fine print.
    3. Customer service- both offline and online.
    4. Customization, perks and discounts.
    5. The clincher- Price!!
  12. How to calculate car insurance premiums? The simplest way to calculate your car insurance premiums is with a good Car Insurance Premium Calculator. While most lending banks offer this facility on their websites, competent third party calculators are also readily available.
  13. What is covered under third party motor insurance?

    Third party motor insurance doesn’t cover you and your vehicle. Its major purpose is to protect you against any liability that could arise from your vehicle’s involvement in an accident that led to the loss, damage, injury or death of third party property or individuals. Summing up, the following is covered-

    1. Damage to third party property.
    2. Injury or death of a third party (individual(s)).
    3. Accidental death and/or permanent total disability of the insured vehicle’s owner/driver.
  14. I have shifted to a new place. Is it necessary to update my registration address on my car insurance? How do I do it? Of course it is necessary to update your change of address at RTO as well as inform your motor insurer. You can get in touch with your insurance provider via their toll free number, email or in person. You can do this online as well. Just go to the official website and enter the details in the required columns.
  15. How do I go about transferring my car insurance from one firm to another?

    After informing your current car insurance provider, please submit the documents mentioned below.

    • Transfer of Policy (Sale of Vehicle)
    • New RC duplicate copy /form 29-30
    • Old policy document
    • NOC from the last insured
    • Transfer Charge - INR 50
    • Duly filled new application form, collected from the company.
    • Inspection of the car
  16. I am eligible for a No Claims Bonus (NCB). But I earned it when I went abroad. Can I still avail it? Being a safe driver, you certainly deserve a reward. But when it comes to earning it abroad, there are some slight variations to the eligibility. An insurance user can be granted a No Claims Bonus (NCB) on a new car insurance plan taken out in india as per the eligibility earned overseas. But this is applicable only if the scheme is taken out in india within three years of expiration of the international car insurance plan, depending on applicable provisions of NCB as per these rules and regulations..
  17. Can I get medical cover for bodily harm or demise of the passenger(s) commuted in my car? Should I buy separate cover for that? This is exactly why third party cover is mandatory for all car owners. Car insurance is there to safeguard you when the unforeseen occurs. But when your own actions on the road cause a mishap, this cover becomes even more crucial. And yes, medical expenses are also covered in the third party car insurance, mandatory for all car owners.
Get More Reads On Car Insurance
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  • Smart Steps for Switching Car Insurance
  • Top Reasons Why Car Insurance Claims Are Denied
  • Best Tips to Save Money on Car Insurance Renewal
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Article Highlights

  • Determine your car insurance needs and requirements
  • Check for discounts when you buy auto insurance online
  • Make sure you have sufficient coverage

Getting an online auto insurance quote from 21st.com will help you save time and energy. While the process is simple, there is some essential knowledge that will ensure you get the best coverage for your money.

Determine Your Insurance Needs Before You Buy Car Insurance Online

Establish a definitive list of your auto insurance needs before getting an online auto insurance quote. There are two separate aspects to this list - the legal requirements of your state and your own coverage needs.

First, determine exactly what your state’s minimum coverage requirements are. Each state is different, so make sure you thoroughly research what you need. This is your auto insurance coverage ground level and you can work up to build a policy that perfectly fits your needs.

The rest is based on your assets, driving record, and comfort.

The amount of coverage you want covered for bodily injury and property damage liability insurance is something to carefully consider. Given today’s medical and repair or replacement costs, you want to make sure that you are prepared with adequate protection. It is highly suggested that you purchase enough coverage to insure your own financial security in case of an accident.

Next, checking into your driving record can unveil a wealth of information. This may help you understand why you are paying your current price for auto insurance. Perhaps there is a speeding ticket from a few years back or a small fender-bender that you will need to take into account during the insurance quote process.

Finally, there is your comfort level. Consider extra coverage if you have a newer vehicle, are nervous about losing your car for a week or two and not having extra money for a rental, or simply want to make sure that potential repair bills will be covered. This is the portion you have the most control over - do you want to pay more for peace of mind or save some extra cash on a lower deductible? With a little thought on this point you will know the answer.

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Check for discounts when you quote auto insurance online

Make sure to check on what discounts may be available to you prior to buying auto insurance online 21st Century Insurance offers competitive discounts, including a discount for good students and buying a vehicle with safety features like airbags and Anti Lock Brakes (ABS). A little due diligence could uncover cost-savings.

Keep Consistent Coverage when you buy car insurance online

If you are switching auto insurance companies, be especially careful to avoid gaps in coverage. If your current insurance policy expires and your new one has a few days before going into effect, you could be left without coverage. This is not only unsafe, but may be illegal.

To ensure this situation doesn't happen to you, wait until your new policy goes into effect prior to canceling your old one (if changing mid-policy). If you are changing at the end of your current policy, work closely with a 21st Century representative to ensure that your policy will keep you covered.

Also, when canceling mid-policy, be sure to get confirmation of the termination in writing from your current insurance provider. You will have proof if there are any issues in receiving refunds of an unused premium, just in case.

21st Century is Here To Help

Remember that 21st Century has representatives on hand to help with any questions or issues that may arise and provide you with an online auto insurance quote.

It's easy to get a free auto insurance quote and even buy a policy if you like what you see - all online at 21st.com.

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Quote and Buy Car Insurance Online

The General® makes it easy to get your quote online with no personal information and when you’re ready to buy a policy – we make that pretty easy too.

  • Do I need to include all of the drivers/residents of my household?
  • When can I get proof of insurance?
  • Can someone else make my down payment for me?
  • What types of payment options does The General® offer?
  • What types of payment plans does The General® offer?
  • Why do I need to “register” and pick a password before I purchase a policy?
  • Can I get an SR-22 Financial Responsibility filing with The General®?
  • Can I buy a policy if I have a suspended or revoked driver’s license?
  • Can I buy a policy if I have an out-of-state driver’s license?
  • Can I make changes to the initial quote The General® provided?
  • What coverage is included in my quote?
  • How can I get the advertised $59 down payment?
  • How can The General® provide an anonymous quote with “no personal information”?

Do I need to include all of the drivers/residents of my household?

Yes, all residents of your household age 14 and older (in most states) and any other individuals who regularly operate your vehicle must be either listed as a driver or excluded from coverage.

When can I get proof of insurance?

Immediately – once you have made your down payment you will be prompted to electronically sign your application and then you can print your proof of insurance.

Can someone else make my down payment for me?

Yes, that is acceptable.

What types of payment options does The General® offer?

We accept payments via credit cards and electronic checks (not available in all states).

What types of payment plans does The General® offer?

In most states we offer monthly payment plans and our quote defaults to the lowest plan we offer.

Why do I need to “register” and pick a password before I purchase a policy?

Once you decide to “purchase” a policy we must collect personal information from you in order to complete the application process. By registering and selecting a password you are protecting your personal information.

Can I get an SR-22 Financial Responsibility filing with The General®?

Yes, an SR-22 can be filed in the state where you are applying for insurance.

Can I buy a policy if I have a suspended or revoked driver’s license?

Yes, as long as you have been licensed at some point (e.g., have a driver’s license number) you can purchase a policy with The General®.

Can I buy a policy if I have an out-of-state driver’s license?

Yes. However if you require an SR-22 Financial Responsibility filing, it cannot be issued for an out-of-state license.

Can I make changes to the initial quote The General® provided?

Yes, you can add coverage and/or modify limits to meet your specific needs.

What coverage is included in my quote?

The initial quote provided by The General® includes the minimum coverage required by the state. Coverage can be added and limits modified after receiving the initial quote.

How can I get the advertised $59 down payment?

The amount of the down payment required will vary based on several factors (e.g., where you live, age, driving record, type of vehicle,etc).

How can The General® provide an anonymous quote with “no personal information”?

The General® is able to provide a very fast and accurate quote without requiring unnecessary personal information, unlike most of the other insurance companies. If you decide to purchase a policy, then of course we will need to obtain personal information to complete the application/purchase process.

Car Insurance 101 The General 101

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