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Why Do We Need an Insurance for Our Vehicle?
Driving a vehicle is not a luxury rather it is a big responsibility. Even many people consider driving as a status symbol especially in a country like India, where people believe in showing off. With the increasing income slabs, having a vehicle is not at all a big deal now a days and people can easily afford to have bikes and cars. It not only depicts the status of a society but also increases the mobility and hence saves time. Driving is eliminating the dependency on the public transport too.
It is true that driving has made our lives comfortable but at the same time it also pushing us towards a perilous life as well. As someone rightly said that “The speedway ends at the cemetery”. On the name of show-off, people not only put their own life into danger but also hurt others as well by over-speeding their vehicles. The daily reports of accidents as well as deaths in the newspaper is now a common thing. People are losing their lives in road accidents by breaking the traffic rules and by not following the driving ethics they also put life of others in danger. Moreover, the cost of spare parts along with the high repair costs squeezes your pocket which proves that having a good Motor Insurance policy is essential these days.
Motor Insurance is mainly purchased for the vehicles running on the roads with the primary objective of providing a protection to the vehicle and the driver against any physical damage in case of accident. There are many factors for which buying a Motor Insurance is important:
Mandatory by Law: The foremost reason of buying a Motor Insurance is that it is compulsory by law. According to the Motor Vehicle Act, it is mandatory to have a Third-party insurance. The police have the right to check your vehicle’s documents like PUC, license and insurance policy, at any point of time. If you are unable to provide documents, you will be in trouble. So, it is advisable to buy a motor insurance before you hit the road.
Loss and Damage to the vehicle: We all know that the people have no driving sense at all and the kind of traffic management we have in our country, there is hardly a day you without banging of vehicles cause damages. The main reason for having motor insurance is that it covers the expenses incurred due to any loss or damage to your vehicle. Hence it is always good to be on a safer side and have a motor insurance before riding your bike or car on roads.
Reduces your liability: Third Party Liability (TPL) motor insurance is mandatory in India, which protects you from the legal implications of an accident caused by you. TPL means that if you cause damage caused to another person and his/her property in an accident, the insurance will pay for their treatment and save you from the legal bearings.
Hospitalization: Not every vehicle owner is lucky enough to get just few cuts and bruises in an accident. Some accidents put you in a difficult situation and you need to be hospitalized. In that situation, your motor insurance company will pay your hospital bills, instead of shelling out the high hospital and treatment costs from your own pocket.
Compensates your family after your demise: Some accidents are so terrible that it results to a car owner’s death, which is the most unfortunate outcome of a road accident. Once the bread-earning policy holder has passed away, it becomes difficult for his/her family to fulfil their daily needs. Therefore, a motor insurance policy helps the family to bear expenses after any unfortunate event.
How to Choose Best Plan for Your Car?
In Indian culture, buying a new car brings an excitement in the whole family. It means lots of happiness, fruition and the beginning of those tours which you have been planning with your family in your new car. In excitement of a new car, people generally ignore that buying a new car is not only a matter of fun, instead it is a big liability.
If you analyze carefully, you will come to know that having a car or buying a new car is a matter of big responsibility, as we have to ensure that we do not hit anyone from our car while driving. In case if we do so, we should have proper insurance coverage for our car as well as the third-party to ensure compensation.
It is not only our responsibility to have a car insurance but also it is mandatory by law to have Third-party liability insurance under the Motor Vehicle Act. There are number of insurance providers available in the market, who offer different kind of car insurance policies, but we should consider the best suitable plan for ourselves. To buy the right car insurance, we must compare it before deciding on which policy should we buy. For which there are few things we should keep in our mind:
Shortlist your requirement: Before buying a car insurance, it is very important that first you should decide that what do you need in your car insurance policy. Just make a list of the kind of coverage you are looking for in a policy like how TPL, IDV, add-ons and so on.
Coverage comparison: Once you are done with the short listing of your requirements, compare the policies online. Moreover, the kind of coverage offered in a third-Party liability is different from that of comprehensive policy. Liability only covers any loss and damage caused to the third-party, whereas the comprehensive policy offers you a full coverage which includes TPL, damage to the vehicle and personal accident. So, it is advisable to thoroughly compare car insurance policies before buying.
Compare IDV: The premium rates are based on the IDV (insured declared value) of the car which means the current value of your car after a set depreciation. The IDV of a car depends on the age of your vehicle, the older the car will be, higher will be the premium.
Premium: One more important factor in choosing right car insurance policy is a premium of the policy which you have to pay to the insurer. You may find that some of the car insurance policies are available at very competitive rates, but low premium does not mean that it is a better policy. You should compare the features and benefits of the policy before taking any final decision. If you get better coverage by paying some extra cost and it is really worth for you, you should opt for the same. Keep in mind that car insurance premium is always determined by multiple factors like model, age, type of vehicle, capacity, fuel type etc.
Compare CSR of the insurer: Always compare the CSR of the insurance company from where you are planning to buy a policy for your car. You should purchase a policy from that provider whose (CSR) claim settlement ratio is good. Do not purchase a policy from a company with low claim settlement ratio. Every year, IRDA releases a detailed report about claim settlement ratio, you can easily get it on IRDA website.
Cheap Car Insurance Rates Guide to Understanding Your Options, Laws, and Discounts
There are many things you can do to bring down the price of your auto insurance policy: invest in a safe, economic car, keep your driving record clean, install anti-theft devices, combine policies, take a defensive driving course, etc. If you do everything you can to keep a clean driving record, you can easily find cheap car insurance rates online.
If you actually don’t drive very much, or have to go very far to and from work, then it might be a good idea to seek a usage-based auto insurance policy. This type of policy is designed to create a premium based on how often the individual drives rather than who they are. The less you drive, the less likely you’ll be to be involved in an incident.
Always be smart with your insurance coverage. If your car is only worth a few hundred dollars, or at least less than $4,000, you might not even need comprehensive and collision coverage in your policy. These coverage types are designed to protect the physical integrity of your car or truck, but if it isn’t worth that much that much anyway, you might be wasting money on coverage you don’t need.
Cheap Car Insurance Rates On the Internet
Thanks to the internet, it’s never been easier to find cheap car insurance rates. In fact, you can get multiple rates at once from many companies and compare them. Determine which one offers the exact kind of coverage you need at a price you should be able to afford. Also, check and see which company offers discounts you’ll be eligible for. Each company should have a “discount” section of their site for you to check out.
A multi-policy discount might be right for you if you already have home insurance. Does your home insurance offer a bundled package deal that also includes car insurance? Or if you’re not happy with your homeowner’s insurance, consider looking for a new policy from a different company when looking for auto insurance and combine them.
Sometimes your actual credit score will play a role in whether or not you will be able to obtain cheap car insurance rates. If you’ve been struggling with your credit and have a low score, you might not be able to get as affordable insurance as you’d like. However, this practice is considered discriminatory in some states, so make sure you understand the laws in your area if you feel that you are being discriminated against due to credit issues. It’s still a good idea to try and improve your credit situation and catch up on your bills anyway, even if it’s not holding you back from getting cheap insurance.
So where can you go to begin your search for cheap car insurance rates? One place to look into is Esurance. They offer excellent service and discounts for auto + home bundling. Even if you just need auto insurance, you should be able to find a good deal. There are numerous Esurance discounts available for all types of drivers.