All About Swiftcover Car Insurance Policies.

By Oliver Williamson.

Swift is associated with speed. And so, as the name suggests, Swiftcover insurance policy vows that you will get your insurance quote within a minute of of enquiry. Swiftcover is an online insurance company. They have a very comprehensive website that offers all and any information about the company. The details included in the Swiftcover website are to the point. They also provide a lot of flexibility in their policies that few other insurance companies may be able to match up to.

So, in effect you can save your time; you only need to save your quote and details, and then company will make arrangements to send you the actual insurance documents using a technology. You can obtain a printout then and there. Thus, the system of Swiftcover insurance cover is a hassle-free one. Their services and policy covers are comparatively cheap, allowing room for great discounts to the customers. This is because; they do not need to avail their operational costs at all. They also have a scheme where they are ready to offer your money back, if you happen to find a cheaper policy within a period of 14 days.

You might be expecting a lot from a company that keeps and maintains, and has access to a wide range of insurance market contacts; most of them which come with AXA Group. Similar to your expectations, Swiftcover is also capable of offering access to the travel insurance market, pet insurance market and breakdown cover. A point to be noted here is that all these services are offered at very competitive prices.

You may be aware of several websites that get things arranged and then start up with a big boom. However, they disappear within months of starting up. However, Swiftcover has been able to transfer their car insurance business model to several other areas and they have been very successful in their venture. These days, there is cut-throat competition among all insurance companies. Yet, as the markets become more and more competitive, Swiftcover has been able to advance one step ahead of the competition, with regards to their services and cost, both of which have been supreme.

It may seem very strange to you, but Swiftcover has already been able to stand up to a comparison very favorably to other major or popular car insurance companies such as the AA, the RAC and More Than. In spite of their low cost approach, they have been able to pay massive dividends also.

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Swift Cover Car Insurance.

By Oliver Williamson.

Car owners who do not own a sports car or a luxury car assume that their car is not at risk of being stolen. But, those who think so should also understand that thieves can not only resell your vehicle, but they can sell it in parts. So, owners of normal cars do not give too much importance to insurance covers.

There are several car owners who look for cheapest car insurance schemes, preferably those which are available online. swift cover's car insurance is one among them. It is aimed at people who intend to procure cheap insurance schemes online. They try and keep their car insurance costs down, but are not always online.

Swift cover maintains a database of users to whom they are not ready to provide insurance. Most of them in this short-listed group are drivers who are under 19, or over 75 years of age. This list also includes people who are in particular employment, like debt collectors, body guards, people who deal with scrap metal, and market traders. However, swift cover does not include much information about the actual standard of cover. They are only focused at letting the users know that they offer the cheapest service possible.

With swift cover car insurance, you can manage to get a really low premium by protecting your no claim bonus. Further, to do this, you should have had no claim bonus for four years in a row, and they should not have had a claim against a protected policy for three years. Also, they do perform breakdown cover at a cost similar to that of large brands, though they do not offer an incentive to promote themselves.

Also, like other internet only insurance services, swift cover also does not provide good customer service or call centers. They focus on cutting down expenses in terms of staff to provide you with affordable policies, but that makes the after sale service something not worth mentioning about.

Another disadvantage here is that customers give more value to the after sales services that the insurance company provides on event of an accident, rather than the slightly lower cost that insurers like swift cover have to offer. This is actually one of the tactics of most insurance companies that call themselves cheap. They fail to understand that, being cheap means that they should provide the same level of service and care as the other insurance companies, at a much lower cost. But, when you pay less for a service like this, you are actually buying less for the money you give.

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Affordable Auto Insurance - Reduce Your Rate Drastically!

By Gbenga Olamide

For you to spend less on your auto insurance, you need to understand that their are some certain factors that affects your rate. These factors are what the insurance companies look after and uses to determine your pay. Thus, understanding some basic factors makes you reduce your rate drastically.

Below are some tips necessary for every auto policy holders to apply in order to reduce their rate.

Driving record

For every policy holder, it is expected of such individual to have and keep a good driving history, as this shows the insurers how low you are to risk while driving and how much risk they are about to be responsible for. This alone covers a whole lot of percentage on your auto rate.

Basic usefulness of your auto

You will pay less if the distance covered by your auto is always short. In other words, individuals who drive short miles with their cars usually pay less compared to those who drive longer miles. And in case you have to drive longer miles, it is advisable you discuss with your agents why you have to and why you should be given lower rate.

Also, the nature of the road at which you drive your auto really matters. If you are the type who drive on bad roads, have in mind that this will affect your pay. You can only be considered if you discuss this with your agents.

Your car park

Where you park your car is also important. If you usually park your auto in an area full of crime, insurers won't hesitate to increase your rate as this is another high risk factor.

The above listings are part of the key factors that affects your rate, but for one to fully get an affordable auto insurance, it is advisable to get and compare free quotes online from a trusted and affordable auto insurance company.

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How to Lower Your Auto Insurance Costs

By Joan One.

In order to find the right car insurance, you must first begin by figuring out the amount of coverage that you need. This may vary from state to state so you will have to find out the amount of coverage requirement in your particular state. As if it isn't already expensive enough to own and maintain a car, you will thereafter have to contend with high auto insurance bills that arrive every month in the mail. It is therefore important to know how to lower your auto insurance costs as this would enable you to reduce coverage on your older vehicles. Below are some useful tips on how to lower your auto insurance costs.

· Older cars: It is advisable to remove collision coverage that you may have for the old cars that you own.

· Single source: Only use one insurance company, which will get you discounts that can help to reduce your total premium.

· Raising your deductible: You should also try to reduce your auto insurance costs by raising your deductible, which is the amount payable out of pocket whenever you make a claim.

· Quotes: Always remember to ask for a quote before you buy your coverage. By getting a quote from the insurance agents, you will be able to do price comparisons and find the most affordable cover for you. Remember that premiums vary widely depending on the model, make and year of your vehicle.

· Careful driving: It is important to always drive carefully as well. Because safe drivers tend to benefit from better insurance premiums, it is therefore important to avoid speeding and getting into accidents.

· Teen driver discounts: You may also lower your auto insurance costs by seeking teen driver discounts. This is because teen insurance covers tend to be expensive but you can reduce them by seeking good-student discounts as well as safe driving course discounts.

· Less time on the road: Another great way of reducing your car insurance costs is by driving less. This is because insurance agents tend to favor infrequent drivers, as the less time spent on the road means fewer opportunities for being involved in an accident. This will enable you to secure lower premiums and earn that low-mileage discount.

Joan One is a freelance journalist and creative writer who immensely enjoys writing and researching into any topic under the Sun. She specializes in writing "green" eco-friendly topics aimed at enabling environmentally conscious readers to find simple ways to reduce their carbon footprint and help save our planet.

Article Source: http://EzineArticles.com/

Top 3 Advantages of Buying Auto Insurance Online.

By Karen Gabasa.

The emergence of internet has given rise to fast communication, anytime anywhere. It has become a necessity because business transactions made easy in the most convenient way as well. You can purchase any kind of products online. Thus, buying insurance policy such as auto insurance online is now possible.

Purchasing insurance for your car online help you save considerable amount of money each year on insurance policy. By doing so, it can help you save your precious time while protect you from losses brought about by damage done to your car.

The internet helps those who wants to find out the most ideal car insurance that offer discount and better deal. So, here are advantages of buying it online:

1. Through the internet you will see various insurance companies. You can view their profile, policies, what insurance products they offer and possible discounts given to their valued clients.

2. You can freely request for quotes and compare which provider offer the coverage you need with considerable discounts.

3. Buying it online offers coverage that helps you financially when your car is damaged caused by natural calamities like typhoon, cyclone, hurricane, fire, explosion, flood, lightning, earthquake, among others. Theft, burglary, riot or strike, accident, malicious act as well as terrorist activity are among the man-made activities that are also included.

There are some of the advantages of buying auto insurance online. Start exploring the internet. It's an amazing venue where you can find everything under the sun, including yours, of course.

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Getting the Best Cheap Auto Insurance - Car Insurance Tips.

By Iyke Phelim.

It is true that we all want or rather need cheap car insurance coverage. Do not go driving if your auto insurance is inactive... Make sure it is active. Failing to do this will bring problems. One important point to note is how to get a pay-less cover for your car. Here are some useful tips that if applied appropriately will help you reduce the rates you have been paying for your vehicle insurance.

Improve your driving, your history as a driver is very important since the insurance company won't lower your rates if your have a reckless record. They will study your records as a driver. Here, they are sure on the risk level associated with offering you coverage. The more tickets you have for driving recklessly, the more [rates you are sure to pay on your policy. Insurance companies use these records for a critical study the driver.

The vehicle you are purchasing the policy for is very important. If you own or use a sports car, you will pay higher premiums than other slower models. Fast automobiles get involved in accidents readily because of their high speed movements.Their risks are high and so are their rates from the insurance companies.

Learn how to make deductibles work for you. Higher deductibles simply means lower rates on your car coverage. This will help you plan how to effective manage your repayments considering your income.

How old is your car? With age most automobiles lose value and become cheaper; this should make you reduce the coverage options on the car when it was newer. Study and understand the company you are dealing with. This will make you know the discounts they give for the coverage your are buying. This is true because they consider certain factors like where you work or if you are a student.etc Note that students get reduced rates from many auto insurance companies. Also there is what is called a multi-product discount; if you have need for other insurance coverage policies or you have some active already with the same company then you should opt for this option.

Your personal credit history is important. Work on improving your records if they are not good. It has been noted that poor credit clients make more claims so insurance companies look at credit scores more seriously now.

Saving time is saving money... Do not waste time searching for coverage the traditional way. Use the internet to get quick coverage solutions.

Where to Start?

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Don't Lie To Get Cheaper Car Insurance

By Al Callaghan.

Car insurance companies penalize heavily individuals who give falsified information when applying for cheap motor policies. People who use falsified information when applying for vehicle cover may think that all is well until they file insurance claims. Most finance companies scrutinize information given by individuals filling for claims; people who use falsified information are generally caught at this stage as the insurance seeks to justify past and present information as fraud checks before issue of compensation.

What impact can lying have on an individual claim settlement Most people are not aware of the repercussions of issuing falsified information to any company. Insurance companies take application filed by individuals who initially bought insurance policies with fake information very serious. False information can jeopardize an individual's chance of getting an insurance claim settlement. It is very important to indicate true information whenever one is making application for insurance. Most people tend to lie so as to secure cheap insurance premiums however this is only works to an individuals disadvantage at the end of the day.

Battle of the sexes Research has it that most of people who engage in lying for cheap cover are men because most car insurance covers favour women since they carry around less risk factor as compared to men. Most male applicants normally apply for car cover using their female acquaintances names and information; possible misunderstandings may come up when a company chooses to make claim settlements under the name of the applicant. It is prohibited for individuals to apply for car insurance using female applicants other than their wives.

How to cut Insurance costs with a clean conscience There are quite a number of ways one can cut cover with a clean conscience. Finding relevant information on how to lower an individual's car policy or rather secure for car insurance uk is quite easy. An insurance company will always offer cheap car insurance quotes if an applicant's car is set to the right car insurance category, security details of the a car can also lower risk hence lower vehicle insurance quote. It is very important for an individual to compare rates from a number of insurance companies; there are lots of competitions in car insurance industry and one is bond to find a cheap insurance cover with almost all needs they may be interested in. Searching for a quote on the Internet is always the best way of getting cheap cover.

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Car Insurance Quote - Things To Know To Get Very Cheap Car Insurance And Quotes

By Greg Haehl.

Auto insurance premiums vary widely from state to state and
even within states. The same person may find swings of as much
as $700 on the cost of an annual policy. Insurance agents are
not legally bound to tell a perspective customer about discounts
which may apply to his/her insurance. There are, however, things
the consumer can do which may lower the price paid for auto
insurance.

Higher deductibles

The single quickest and easiest way to lower your insurance
premium is to raise your premium. Having a $1000 or even a $1500
deductible can lower premiums 15 to 20 percent. If you decide to
go this route, consider putting the money saved the first year
into an account earmarked to pay the deductible should you have
any accident.

Investigate auto records

Your driving record may be unblemished but the record of the
car model you own can also have an affect on your premiums.
Insurance copies compile extensive reports on the way cars
respond in accidents and how popular certain cars are with
thieves. Cars with poor crash test ratings and cars that are
frequently stolen cost more to insure. When buying a new car use
an auto buyer’s guide to compare crash test and theft rankings.

Use the same insurance company

If you have more than one vehicle insure all of them with the
same company. Almost all insurance companies offer multi-car
discounts. Many companies offer further discounts if you use any
other products they offer such as homeowners insurance and life
insurance.

Getting many quotes and comparing them is the best way to check
pricing, coverage and save money.

And, don’t forget, the best way to lower your car insurance
premium is to drive safely.

Please see our recommended sources for insurance quotes from
multiple providers. We have done the research so you don't have
to.

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Auto Insurance - 4 Benefits of Online Auto Insurance Quotes.

By Mitch Palmer.

Car insurance is an essential part of car ownership or usage. In case something happens, insurance policy will make sure that your financial situation won't be in jeopardy. But sometimes finding the best insurance company can cause you many pains and problems. Fortunately, with the invention of internet, searching for insurance quotes became much easier and faster. In this article I would like to present you 4 benefits of auto insurance quotes.

1.) Auto insurance quotes are free

Some people are afraid that they will have to pay for quotes, found on the internet. The fear is completely unnecessary in this case - you are able to check as many quotes as you want without paying anything.

2.) Instant comparison of prices

The most obvious benefit of online insurance quotes is the time you save. Few years ago, you had to call several different insurance agents from several different insurance firms in order to get different quotes and compare them. Nowadays, you can find quotes from different insurance companies with single entry of required information. The whole process will take about 10 minutes and quotes will be there for you.

3.) They will save you money

If you are able to compare quotes from different insurance companies (maybe you haven't even heard for all of them), you are more likely to find the cheapest one that suits your needs. This will definitely save you some money.

4.) You will be able to find the best insurance company for you

The fact is that different insurance companies favor different groups of drivers. Some insurance firms offer cheaper insurance for young people, some for experienced middle age drivers and some for elderly drivers. Maybe you haven't considered this before, but it is possible that some other insurance company is offering cheaper insurance policies than your current one and you haven't even heard of them before - online insurance quote comparison usually includes even less known insurance firms.

The fact is that online insurance quotes have positively influenced insurance world - for consumers and insurance companies. In the end I would like to stress another important thing - to make sure that your quotes will be as accurate as possible, insert correct information in the forms on websites. If you don't provide accurate data, you can't expect accurate quotes.

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Tips on How to Select a Good Deal in Auto Insurance.

By Janelle Elizabeth.

Perhaps you have observed there are quite a number of people that remain with their car insurer for a long time? A typical assumption anyone could give is that they would likely have provided good rates and insurance conditions with them. However, you might be amazed to understand a fair amount of people just want to avoid to endure exactly the same trouble of searching and undergoing unfamiliar processes with other programs although they offer a better rate.

These days, you may experience being swamped with so many offers from company to company regarding how great their insurance policies are and why you must do business from them instead of the other. However how do you fish out the best choice among the sea of promises?

An easy way to start is to compare the best rates of few car insurance policies and pick a few ones you can start digging more information about it.

What types of car insurers are out there?
The first step is to group a few of these insurance companies by checking what kind of marketing they execute and the size of their organization.

Authorized insurance consultants - There are quite a number of insurance companies who hire people to sell insurance policies as authorized agents. There is a fair amount of people that like a personalized service and have a dedicated agent following up through their payments. You will find that some of them have good rates.

Customized business hotline - There are companies who used a different approach by selling the insurance policies personally over the phone. They get in touch with customers through phone or online. Rarely do they meet in person with their clients. By enrolling with them, you are assured that the policy comes from them and is real.

Free agents - These are individuals who specialize in reviewing each policy from different companies and earn consultation fees from clients to recommend insurance policies that work best for them. They can even provide common solutions on minor setbacks to increase your chances on getting approved.

How to choose the best car insurance that is catered for you?
How do you know you are with the right car insurer? A good basis would be to observe if they can get a clear overall picture of you and your details before forming a policy that listens to your needs and consider your standing. They give much thought and effort to investigate your driving profile and credit profile. You can say that these are the things they look at and think it through before they give you an estimate and recommend a rate for you.

Spending time comparing and researching can be quite overwhelming and tiring however one must think about the long term savings when your policy takes into effect.

Be informed on exactly what you need observe when you're deciding upon your car insurance. Word of mouth might be powerful however in [http://www.financebroker.com/insurance/how-to-choose-the-right-car-insurance/]car insurance, it might not always be the case.

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5 Things to Consider When Buying Car Insurance.

By Charlotte J Wilson.

If you're in the market for UK car cover, which factors are the most important ones? While there are several to consider, these are ones that you should definitely keep in mind:

1. Drivers
One option you can have is the ability to place more than one driver on the same policy. There are exceptions to this rule. That includes the case in which a driver has several penalty points, a driver is under 21 years old, and so on. However, in other situations placing more than one driver on a single insurance policy can be an excellent option.

2. Extras
These costs include both the overt and 'hidden' fees and charges. The hidden fees and charges can be difficult to detect, and may require a trained expert to use a fine-toothed comb to review a policy's nuts and bolts. The total cost of fees and charges can vary quite significantly, so it's crucial to factor them in when calculating the total costs of a particular car cover policy.

3. Vehicles
Besides placing multiple drivers on a policy, you can also put multiple vehicles on a single policy. This option is ideal for those insuring taxis, for example. As with other factors to consider when shopping for cover, it's important to do the number crunching to determine if it's cheaper to place more vehicles on a single policy. If it's not, then you should secure individual policies for the individual vehicles, or look for a different policy. Sometimes more (policies) isn't better.

4. Voluntary excess
This is the amount of capital that you'd be required to pay for damages incurred in an accident, before a car insurance company starts covering the costs. Should your voluntary excess be low or high? It depends. A high excess can result in high monthly premiums, though it can certainly be beneficial if you need to file a claim. On the other hand, a lower excess will lower your monthly premiums. However, this action could actually backfire, since filing a claim would cause you higher out-of-pocket expenses. If you're an extremely safe driver, then it's generally advisable to lower your excess. But keep in mind that 'stuff' happens in life. So if you want to be on the conservative side, you should opt for a higher excess.

5. Cover
How much cover is enough? It's ultimately up to you to decide how much car insurance you need. Do you want general cover, or more comprehensive cover? You can find policies that cover an array of expenses, ranging from medical bills to theft. The minimum amount of cover will cover damage to the other driver's vehicle and health. Meanwhile, more comprehensive cover will cover your own car or truck, and medical expenses. So it's important to take the time to determine exactly what you want covered-and how much cover you need.

Before shopping for car cover, it's helpful to be aware of these features of different policies. Doing your homework beforehand will help you to score outstanding cover, for a lower price.

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How To Get Cheap Car Insurance For First Time Drivers.

By Nathan Greenhall.

Isn't it a pain looking for cheap car insurance for first time drivers? We all know it's because of a new driver's inexperience on the road. As a result, they are a much higher risk while driving and are statistically more prone to accidents. It's an initial hurdle first time drivers must go through, and while there are high premiums at first, there are many ways to drive down your rates in the first few years of driving. Here are just a few:

Take A Drivers Education Class
While passing the test can be done on your own by reading the proper materials and practicing on the road, it's worth the initial investment of taking one of these fully accredited classes. Upon passing the class and the official state test, you'll receive a discount on your car insurance premiums. Just think - going through these classes once will save you money for a lifetime.

Get Good Grades
If you're still in school, it literally pays to make it to the honor roll. Working the long hours on your subjects and hitting the books hard will also result in a break on your premiums from your insurance agency. These are also the years that your insurance rates will be at an all time high, so making the grade will help bring down those soaring premiums.

Compare Quotes Online
In this day and age, searching online is the quickest and easiest way of finding cheap car insurance for first time drivers. Everything you need is right at your fingertips. There's no need to drive around the area from agency to agency or spend countless minutes waiting for the agency's operator on the phone. By researching online, you're in control. You're probably wondering, however - which sites can be trusted to deliver the best results? Where to start the search?

Fortunately, a few co-workers of mine had success at this one site when comparing insurance quotes for their kids. This was the site I used when browsing around for my son's car insurance recently, and because of it, I managed to save a few hundred dollars on his coverage. It was one of the best decisions I made.

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Find Cheap Car Insurance Quotes Online.

By Christopher B John.

Have you ever wondered how to find cheap car insurance quotes online? If so, you are not alone. Many people who are in the market for cheap car insurance do not know how to go about looking. Fortunately, finding cheap car insurance quotes online could not be easier. By finding these quotes you are setting yourself up to potentially save hundreds of dollars on your Find Cheap Car Insurance Quotes Onlineauto insurance.

The first thing to do is search around for a website that will act as your broker. These sites will bring the car insurance companies to you via one easy to use website. These websites are easy to find and will always ask you for the same key piece of information which is your zip code. Giving a website your zip code will allow it to connect you with vehicle insurance companies in your area.

After entering your zip code you will receive a list of insurance companies that you may interested in working with. Click on each insurance company and fill out the free insurance rate quote form. These forms will ask you information about your car, age, driving history, etc. These questions will allow the insurance quotes to be very accurate. After you fill out the form submit it to receive your quote.

Make sure to submit and receive quotes from several different companies. Receiving several different quote will allow you to compare them to find out which one is the cheapest. Remember, the more quote you receive, the better chance you have of finding a cheap one.

A smart shopper will take their time and receive multiple, competing quotes. It is not that hard to find cheap car insurance quotes online if you know where and how to look.

By receiving [http://www.autoinsurancelocations.com/]car insurance quotes online I was able to save $105 per month!

To do the same, visit [http://www.autoinsurancelocations.com/]AutoInsuranceLocations.com and enter your Zip Code. Within a matter of seconds you will have quotes that will help you save as much as me, or more!

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How to Get a Cheap Car Insurance Quote Online.

By Brian Stevens.

Want to know how to get a cheap car insurance quote online with a reliable company? Here's how to do it.


Getting Car Insurance Quotes Online

In order to get a cheap car insurance quote you need to get quotes from a number of car insurance companies. Thanks to the Internet, you can quotes online in the comfort of you home in just a matter of minutes.

There are a ton of websites where you can get car insurance quotes online. Unfortunately, most of them are run by insurance companies who only give you  their rates. There are a couple of companies who also give you rates from their competitors, but from the comparisons I've done, they don't give you the cheapest rates that are available.


Where to Get Cheap Car Insurance Quotes Online

Your first stop in your quest for cheap car insurance should be at an insurance comparison website where you can get rate quotes from multiple insurance companies. All you do is enter your insurance information and the amount of insurance you want on a simple online form, then wait to get your quotes.

Most insurance comparison sites only deal with A-rated companies so if you decide to get your car insurance through them, you know the company will be reliable. Some of these site let you talk with an insurance professional, either online or by telephone, so you can get answers to any questions you may have, plus get tips on how to lower your premium. (See link below.)

After you get your quotes, go to J.D. Power's website (jdpower.com). Click on the "Insurance" tab at the top of the website, then click on "Auto Insurance Provider Ratings." On the page that comes up you'll see ratings for a number of different categories. Under the "Pricing" category you'll see what J.D. Powers considers to be the companies that offer policies with the best prices. I recommend getting rate quotes from the companies with highest ratings (five bullets).

By now you should have enough quotes to get a cheap rate on your car insurance. Before you buy a policy, read it over, or have an agent from the company explain it to you, to make sure you understand what you're buying and that you have all the coverage you need.

Visit http://www.LowerRateQuotes.com or click on the following link to [http://www.lowerratequotes.com/]get cheap car insurance quotes online from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.


The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get cheap car insurance quotes online.

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Car Insurance Basics You Need to Know.

By Deepthi Alvares.

Car owners certainly have their cars insured. But, do they really understand the insurance policy? You must have had certain intentions in mind while taking the policy, but are you sure that your car will be protected against those risks? So, here are the basics you ought to know about car insurance that will help you make a smart decision.

Is Car Insurance a Must?
The Indian law says that any vehicle on the Indian road needs to have a valid insurance policy that at least covers the cost of damage that the vehicle may cause to other people or vehicles.

In case of any damage covered under the terms of the insurance contract (and as long as there is no fraud involved), the insurer will bear the amount rather than you having to pay from your pocket. In most cases, an insurance policy covers costs caused by accident damage, theft, fire and natural calamities like floods, earthquakes or cyclones.

Forget the compulsion; even without it, it is advisable to have your new car insured. It's not always the neighbour who gets hurt; your car too could meet with an accident. It is truly worth spending some amount on car insurance. Auto insurance policies need to be renewed on an annual basis.

Types of Car Insurance
Basically, two types of auto insurance policies exist: third party and comprehensive. Let's look at them in detail.

Third Party Insurance
This type of insurance covers the damage caused by your car to a third party. It is the minimum that you need to have as per the Indian law, so that, if another individual or vehicle is damaged as a result of your driving, the third party needs to be compensated for it. For example, if you meet with an accident while driving, the insurer will pay for the damage caused to the other vehicle and individuals in that car. However, you or your car will not be covered under this policy.

The premium here is calculated based on your car's engine capacity. As this policy covers only third party damage, the premium is relatively less when compared to a complete coverage policy.

Comprehensive Insurance
The name explains it; it is comprehensive. This auto insurance policy covers the damage caused to you as well as to the third party. In met with an accident, medical expenditure of you, passengers in your car as well as the other party's medical expenditure gets covered. The insurer also takes care of expenses caused to both your car and the other vehicle.

As per this policy, the insurer also pays for any damage suffered by your vehicle in case of any natural calamity, theft, burglary, terrorist activity or any repair in transit. There are insurers who even cover car accessories like the music system and A/C in your car.

The premium here is calculated based on the insurable value of your vehicle. The premium comprehensive auto insurance is usually higher as the coverage is wide compared to a third party policy.

What Coverage Do I Need?
There are two things you need to keep in mind while going for choosing car insurance:

1) What's My Capacity to Pay the Premium?
Third party insurance is the legal minimum cover you need to have in India. In case you want to opt for something higher, think of what kind of risk you can afford to protect. You may already have a car loan, any other loan to repay or any other financial obligations to meet. Calculate and find out if you would be able to pay off the premium due for your car insurance.

2) Additional Scope of Coverage
There is additional scope of coverage as long as you're willing to more for the kind of situation you would want to cover. For complete protection, you may want an all-inclusive policy for your car. The premium amount differs based on the coverage you opt for. The types of coverage usually include the following:


 Personal injury protection: You and passengers in your car get covered in case of an accident.There's yet another feature in case you want coverage for your car driver.
 Uninsured/Underinsured coverage:If hit by another vehicle that hasn't been insured, the insurer pays for damage caused to you and your car.
 Collision:In case of a collision with another car or object, the policy covers repairs to your car. All repair expenses of your vehicle excluding the voluntary amount that you want to pay on your own is covered.
 Car accessories:This additional cover covers damage caused to your car accessories like the music system and A/C.


As your car grows older, its value too goes down and so does the premium for your car insurance if you have opted for a comprehensive policy. However, in case of a third party auto insurance, the premium amount remains constant as the amount decided is based on the engine size which is always the same.

Deepthi Alvares

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