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GET AN INSURANCE QUOTE!

Car insurance

Car insurance is a type of insurance policy that efficiently takes care of expenses arising from unfortunate events, such as an accident, theft, and any third-party liability. Car insurance is the best way you can protect yourself and your car from financial emergencies, including any legal liability, resulting from physical damage, traffic collision, bodily injury caused to you, your car, or a third party. Various car-insurance-specific terms & conditions are subject to vary with legal regulations in different regions of the country.

Type Of Car Insurance

Single Car Insurance

If you only have one car in your possession then you will just need a plan that covers one car. You can easily get single car insurance which is a less complex plan than a plan for multiple cars. However, it should be noted that getting any type of car insurance is really easy. Single car insurance is probably the most popular type of plan for college students and singles who are in their early 20s or 30s. They don’t have a family to cart around in multiple vehicles nor do they have the capital to buy multiple cars just for fun. If you want to get this type of coverage for just one car, fill out our form here on the site. There you will find the best quotes with affordable car insurance rates for just one vehicle.

Multi Car Insurance

When you have more than one car, that would fall under a multi-car insurance plan. People who have more than one car tend to be a bit older because they have had the time it takes to earn the money you need to buy more than one car. They also tend to be family people because one person needs the car to take Bobby to his trumpet lessons and someone else has to take Jill to her soccer practice! If you have more than one car getting insurance could seem a bit more confusing but it’s honestly pretty easy. You just have to make sure that you put in the information about both cars in your plan. You should also experiment with getting different quotes because it is true that sometimes the cheapest way to insure two or more cars is to get separate plans.

WHAT GOES INTO YOUR PREMIUM?

Location

It’s all about location. You can bet that those who live in places with a higher cost of living in general will probably see higher insurance rates. This is because those people would have higher payouts since a higher cost of living means higher prices for car repair. Location also has a lot to do with the likelihood of vandalism on your car or the chance that a natural disaster will cause some type of damage. If you live in a more urban area, your rates might be higher for this reason.

Credit Rating

It is kind of an unfair fact that poor credit ratings lead to higher car insurance premiums but it is the truth. People with bad credit often have other types of financial issues so having higher car insurance premiums doesn’t help their cause. However, actuaries must have found a correlation between both low credit and getting into accidents and low credit scores and non-payment of car insurance plans, which is how this all developed.

Your Car

Your car’s information will have a huge bearing on your car insurance rates. What type of car you have, the year, make and model, and how much it costs will definitely affect your car insurance premiums. If you want to have lower premiums then it would behoove you to get a car that is pretty cheap! Otherwise you may be stuck with an expensive car and high car insurance rates.

Your Driving Record

A driving record may be the most important factor in your car insurance search. If you have a poor driving record you may have trouble getting any car insurance at all! So, make sure to keep your eyes on the road and take any classes recommended by your insurance company to get a lower rate. If you have a bad record you face high insurance premiums and you may even have to get a special type of insurance that is just for high risk drivers.

Location

It’s all about location. You can bet that those who live in places with a higher cost of living in general will probably see higher insurance rates. This is because those people would have higher payouts since a higher cost of living means higher prices for car repair. Location also has a lot to do with the likelihood of vandalism on your car or the chance that a natural disaster will cause some type of damage. If you live in a more urban area, your rates might be higher for this reason.

Credit Rating

It is kind of an unfair fact that poor credit ratings lead to higher car insurance premiums but it is the truth. People with bad credit often have other types of financial issues so having higher car insurance premiums doesn’t help their cause. However, actuaries must have found a correlation between both low credit and getting into accidents and low credit scores and non-payment of car insurance plans, which is how this all developed.

Your Car

Your car’s information will have a huge bearing on your car insurance rates. What type of car you have, the year, make and model, and how much it costs will definitely affect your car insurance premiums. If you want to have lower premiums then it would behoove you to get a car that is pretty cheap! Otherwise you may be stuck with an expensive car and high car insurance rates.

Your Driving Record

A driving record may be the most important factor in your car insurance search. If you have a poor driving record you may have trouble getting any car insurance at all! So, make sure to keep your eyes on the road and take any classes recommended by your insurance company to get a lower rate. If you have a bad record you face high insurance premiums and you may even have to get a special type of insurance that is just for high risk drivers.

What is not covered in Car Insurance?

Following features are usually not covered in car insurance:

-Loss or damage if a policy is not in force.
-Gradual wear and tear of car and its parts.
-Loss or damage to vehicle when driven by person without a valid driving license.
-Loss or damage to engine as a result of oil leakage.
-Loss or damage to vehicle as a result of abuse of car manufacturer's guidelines.

How to Compare Online?

you have to fill a few simple details like make of the car, model, variant, year of manufacture, etc. You will then get quotes from various insurance providers. To get better discounts you must fill the form carefully. This way you will get customized quotes, one which saves money (upto 55%) on premiums and is also the best fit as per your needs.You must be familiar with the following terms while filling the form:

Car Make, Model and Variant

The manufacture year of your car lets the insurance company assess its Insured Declared Value (IDV) that facilitates the underwriter to decide the annual premium for your car.

Year of Manufacture

This information is critical to calculate base premium. Luxurious, powerful and expensive car will attract more premiums. For e.g. a SUV car will always have a higher premium than a family car.

CNG Fitted Car

Being more vulnerable to combustion, a CNG fitted car is usually insured at a slightly higher premium than a plain petrol/diesel car.

Additional Covers

You need to mention whether you do or do not want to get a cover on electrical and non-electrical accessories fitted in your car. Most insurers provide a cover for your car accessories at an additional premium of 4% on its value.

Company informations

#205 Datta Height, Telecom Nagar Gachibowli Hyderabad
Telangana 500032

Contact details

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contact@policymantri.com

(+91) 99999 99999