Get car insurance online and calculate premium amount the best possible way
It is a smart move to buy insurance online and, before you do this, compare terms offered by various insurance companies and then calculate car insurance premium online in order to get the best deal and maximum coverage for that amount.
Owners of cars must have the mandatory third party insurance cover. This keeps car owners protected against any third party claims in the event of accidents. In addition, it is also advisable to go for a comprehensive cover because third party insurance does not protect you if your car is stolen or is damaged or if you sustain injuries. You do not have to opt for insurance from the first available company.
There are 25 insurance companies offering a variety of car insurance covers and their terms may differ. It is to your advantage to compare car insurance online before you buy one from a specific company.
You may opt for new insurance for your new or used car. You may opt for renewal. In both instances before you buy car insurance online, compare their terms. One way is to visit the website of each insurance company and make notes of their terms and premium. Another, easier and better way is to visit a website where you can compare quotes from all insurance companies and also calculate the amount of premium you have to pay.
Why compare?
Insurance companies spell out the terms in fine print and you may miss these. When you go through a website where you can compare insurance you get to see all the pros and cons of each company’s offer listed right in front of you. Some companies, for instance, may offer cashless repair facilities and towing facilities. Some companies exclude engine, oil, rubber parts and tyres for which you need to buy add-ons that can add to the premium amount. If you want the best deal then it is necessary to compare car insurance online. You can visit http://www.turtlemint.com/car-insurance to get a comprehensive guidance in this respect.
Calculating premium
Once you decide to buy car insurance online the next step is to calculate the premium. You can do this online. One insurance provider may offer attractive coverage but their premium may be too high. Another may offer a low premium but their coverage is limited. You have to factor in everything before buying insurance online. Online calculators allow you to get instant information about the amount of premium you pay and the benefits you receive. The premium is affected by various variables such as age of the owner and gender, the car make, model and variant, the place where insurance is required, the type of fuel used in the car and the year of manufacture. When you buy new insurance you will pay a standard premium whereas, if you are renewing, your premium may be reduced based on the insured declared value and the no claim bonus record.
For used cars:
Input car type, fuel type, registration number, existing policy and previous year record. The online calculator automatically factors in all these and arrives at the premium you will have to pay.
For new cars:
Fill in name of vehicle manufacturer, model of vehicle, year of manufacture, State in which it is registered and details of the owner. The online premium calculator will automatically present you the amount of premium you pay for insurance from different companies.
Author’s bio:
This article is written by Sanjana Rao, content writer for Turtlemint.com. She is a content enthusiast and is determined to encourage people to be informed and compare and buy car insurance online.
Owners of cars must have the mandatory third party insurance cover. This keeps car owners protected against any third party claims in the event of accidents. In addition, it is also advisable to go for a comprehensive cover because third party insurance does not protect you if your car is stolen or is damaged or if you sustain injuries. You do not have to opt for insurance from the first available company.
There are 25 insurance companies offering a variety of car insurance covers and their terms may differ. It is to your advantage to compare car insurance online before you buy one from a specific company.
You may opt for new insurance for your new or used car. You may opt for renewal. In both instances before you buy car insurance online, compare their terms. One way is to visit the website of each insurance company and make notes of their terms and premium. Another, easier and better way is to visit a website where you can compare quotes from all insurance companies and also calculate the amount of premium you have to pay.
Why compare?
Insurance companies spell out the terms in fine print and you may miss these. When you go through a website where you can compare insurance you get to see all the pros and cons of each company’s offer listed right in front of you. Some companies, for instance, may offer cashless repair facilities and towing facilities. Some companies exclude engine, oil, rubber parts and tyres for which you need to buy add-ons that can add to the premium amount. If you want the best deal then it is necessary to compare car insurance online. You can visit http://www.turtlemint.com/car-insurance to get a comprehensive guidance in this respect.
Calculating premium
Once you decide to buy car insurance online the next step is to calculate the premium. You can do this online. One insurance provider may offer attractive coverage but their premium may be too high. Another may offer a low premium but their coverage is limited. You have to factor in everything before buying insurance online. Online calculators allow you to get instant information about the amount of premium you pay and the benefits you receive. The premium is affected by various variables such as age of the owner and gender, the car make, model and variant, the place where insurance is required, the type of fuel used in the car and the year of manufacture. When you buy new insurance you will pay a standard premium whereas, if you are renewing, your premium may be reduced based on the insured declared value and the no claim bonus record.
For used cars:
Input car type, fuel type, registration number, existing policy and previous year record. The online calculator automatically factors in all these and arrives at the premium you will have to pay.
For new cars:
Fill in name of vehicle manufacturer, model of vehicle, year of manufacture, State in which it is registered and details of the owner. The online premium calculator will automatically present you the amount of premium you pay for insurance from different companies.
Author’s bio:
This article is written by Sanjana Rao, content writer for Turtlemint.com. She is a content enthusiast and is determined to encourage people to be informed and compare and buy car insurance online.
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