Buying a car insurance policy can often be a confusing task, especially if you are making the purchase for the first time ever. With so many insurers and plans available, how do you know which one is the right pick for you? If that is the dilemma you find yourself in at the moment, you have come to the right place! Read on to find out the right way to compare car insurance policies so that you get the coverage you need.

  1. Start with deciding on the type of plan you want

There are two main types of car insurance policies – third party car insurance and comprehensive car insurance. Third party insurance covers you against third party liabilities in an accident. Comprehensive insurance covers you against third party damages as well as own damages, natural disasters, and manmade disasters. While you could opt for third party coverage, you might want to consider the more wholesome comprehensive plan.

  1. Next, look into what add-ons might benefit you

If you have chosen to go with comprehensive insurance, you would want to enhance your car insurance policy with add-ons. Do a bit of research to see what add-ons might benefit you. Some of the add-ons you want to consider include zero depreciation cover, engine protection cover, roadside assistance, and consumables cover. While including these add-ons in your policy can increase the premium, it is definitely worth it as you get enhanced protection from your plan.

  1. Compare insurers and their plans

Once you have an idea of the exact plan you want, compare this requirement as offered by top insurance companies in the country. Look for a car insurance policy that offers you good coverage at affordable premiums. Also inspect the additional benefits offered by the insurer, such as discounts on their coverage if you bundle up plans.

Quick tip: Choose a general insurance company that has a good claim settlement ratio.

  1. Inspect the network of garages

A good insurance company should have tie-ups with a wide network of garages for cashless claims. Inspect the network of garages and see whether they are located around the area where you live. This is an important consideration when choosing a car insurance policy. An insurer with a wide range of network garages is always the preferable choice.

  1. Finally, read what other buyers have to say!

Once you have shortlisted the insurance provider you want to go with, make it a point to go through a few customer reviews. It helps to know what other policyholders are saying about them. Look for reviews that talk about customer service, hassle-free claims, and so on. If there are too many negative reviews, you might want to buy your coverage elsewhere.

We hope that this article will help you conduct car insurance comparison the right way when you buy or renew your coverage next. Remember to always wear a seatbelt and drive safely within the lanes.

Take care!