Buy car insurance online

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Buy car insurance online

Buy car insurance online

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With over 655 different auto insurance companies in the U.S., how do you know whether or not you’ve found the right one for you and your family?

Personal factors like who you are, where you live, what you drive, how you drive, and even your credit score used differently by each car insurance company to calculate your car insurance rates. You could have hundreds of coverage and cost options in front of you, and still not know how to proceed, decide which policy is just right for you, or determine if you’re even getting the best price.

That’s why Insurify provides easy and free car insurance quote comparison for all kinds of drivers nationwide. You’ll receive accurate quotes and discounts from top insurance companies in minutes! And our personal coverage recommendations ensure you’re not just getting the cheapest car insurance policy, but the most appropriate one, too.

Auto Insurance Quotes Comparison: Before and After Insurify

Spend hours answering the same questions online or over the phone for each of the auto insurance companies in your area, during their specific business hours.

Get trapped by quote aggregation and lead generation sites that make money off selling your information to insurance agents.

Compare all your quotes and coverage limit options on your own, mining research from various sites and dodging calls from pesky robo-callers.

The pandemic has changed the way we interact with financial products and services. When Covid-19 emerged, India’s insurance companies considered helping customers through virtual and online assistance. This has led to a dramatic increase in consumption of insurance services digitally.

If you are considering purchasing your car insurance online, you need to follow four simple steps.

Choose Your Insurance Type

Car insurance protects your vehicle from unforeseen risks such as road accidents by providing financial protection for which a premium is paid on a regular basis. The premium of the insurance is dependent on various parameters such as the value of the car, the type of coverage, and vehicle classification among others.

Before deciding on your car insurance plan, you must know the types of car insurance being offered by insurers.

1. Third-party Insurance

Third-party insurance, often referred to as “Act Insurance,” is mandatory as per The Motor Vehicles Act, 1988. In this insurance, the insurer offers protection against any damage to the third-party’s vehicle, personal property or physical injury. The third party gets reimbursement for the damage, and the insured gets protected from the financial burden arising from such a damage.

2. Comprehensive Car Insurance

A comprehensive motor insurance is an extensive motor insurance plan. It is an all-inclusive car insurance policy that covers the insured driver from both third-party damages, losses and own damages. For example, it covers losses such as an accident, natural calamity, fire and theft.

3. Pay as You Drive

Pay as you drive is a kind of comprehensive car insurance plan that offers coverage for your own car damages and third-party liability and charges a premium based on the usage of the car.

This car insurance plan enables the insurer to track your driving usage and pattern via the use of telematics and the premium is charged accordingly upon evaluating you as a high risk or a low risk driver.

The market regulator Indian Insurance and Regulatory Authority of India (IRDAI) rolled out this plan on a pilot basis for a term of one year in 2020. Multiple insurance companies have started offering the pay-as-you-drive insurance policy in line with the regulator’s sandbox proposals that were approved last year. The proposals are likely to be extended for the next two years if the recommendations of an amendment draft are agreed upon.

Key features of this plan include:

  • Policyholders who have multiple cars, not all of which are driven frequently, can avail this.
  • Currently, there are three slabs—2,500 km, 5,000 km and 7,500 km—for the number of kilometres driven and premium is different for each of the slabs.
  • The third-party premium (TP) is fixed as per the IRDAI norms but discounts are offered on the own damage (OD) component of the policy.

Evaluate Your Add-on Coverage

You can increase the protection of their four-wheeler insurance with the help of an add-on coverage. It is aimed at adding an extra layer of insurance to your comprehensive car insurance policy.

Common add-on coverage plans that can be added to your comprehensive insurance policy include:

1. Zero Depreciation

Depreciation is basically the decrease in the value of your vehicle due to natural wear and its age. Owing to this, the value of these parts decreases as well.

When a customer buys a car and uses it for a few days, the car value will decrease to 91% of the initial market value. The car value will drop year after year and that is how the settlement amount is decided by your insurer post the depreciation.

When you take zero depreciation add-on cover, it provides you insurance coverage without any deductions based on the amount of depreciation.

2. Engine Protection

An engine is the most expensive and important part of any car. Generally, damage to your car’s engine is not covered under the regular comprehensive insurance policy. If you want to protect your car’s engine further, you can opt for an engine protection add-on.

3. Invoice Cover

Invoice cover is also known as return to invoice (RTI) cover or invoice protection add-on. In case your vehicle suffers from total loss or is stolen, your insurer will provide you with the amount stated in the invoice of your car purchase as compensation, including the road tax.

4. Roadside Assistance

This add-on comes in handy when you require assistance in the middle of a journey. If you have roadside assistance add-on, you can call your insurance company and request assistance in cases of:

  • Dead battery
  • Spare keys
  • Flat tyre
  • Minor repair
  • Towing services
  • Fuel assistance
  • Taxi and accommodation benefits

Know The Hidden Thorns Not Covered in Your Car Insurance Policy

Due to a heavy document loaded with jargon and text-heavy processes, customers tend to avoid a complete check of their policy. It results in disappointment at the time of claims.

Hidden thorns are the exclusions in your car insurance policy. These include:

  • Any damage to your car while driving under the influence of alcohol or drugs will not be covered.
  • Damage to the car during war, terror attacks and similar situations is often not covered.
  • Any damage to tyres, tubes and engines unless they are damaged due to accident.
  • Any damage due to contributory negligence—for instance, you forget to lock your car and your car gets stolen.
  • Driving without a valid license or on the wrong side of the road.

How to Buy Your Car Insurance Online

You need a basic set of documents and information to feed or submit while buying insurance. Follow these steps to buy or renew your car insurance online:

Enter Your Car Number or Select Your Car

The first step is that the customer needs to enter their car details in columns on your insurer’s website dedicated to collecting information such as:

  • Name and model number
  • Registration number
  • Age of your car
  • City of registration


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