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Questions to Ask before Buying a Car Insurance Policy

Questions to Ask before Buying a Car Insurance Policy
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Top 8 Things to know before buying a Car Insurance Policy

Buying a car insurance is not an easy task. There are a lot of aspects that you need to take under consideration so that you buy the right insurance to match your needs. There are various car insurance quotes available in the market with various services, benefits and clauses. Depending on their features, the car insurance company can charge you a low or a high premium. It is up to you to weigh the pros and cons before you buy or renew car insurance online.

To help you make this decision, here are a few questions you should ask before making your decision.

1. Kind of coverage needed

You need to safeguard your needs and ensure you’re covered for car repairs in case of a breakdown. In case of an accident, you as well as the person you collide into should be covered under the car insurance policy. Besides this, you should consider a personal injury protection clause that is added to your policy.

2. Understanding your own risk

Most car insurance companies will analyse your risk before offering you a car insurance policy. This analysis will take into account your age, driving record, marital status and so on. Depending on this information, the car insurance company will draft your policy and charge you a specific premium amount. It’s important to understand this factor and improve your driving record, so that you have better options in the future.

3. Individual or family car insurance

It is important to decide whether the car insurance policy you buy online will cater to your needs as an individual or will it safeguard your entire family. Even though adding your family members to the car insurance plan may raise the premium, it turns out to be more comprehensive and beneficial during emergencies.

4. Payment options available

Today, there are various means through which you can make a payment for your car insurance plan. From cheques and net banking to using your credit and debit card, you can make the payment of your car insurance online in an instant. You can also opt to give your bank standing instruction to make an auto-payment of the car insurance policy, so that it never lapses.

5. Look for discounts

Depending on your age and gender, you can ask the car insurance company if they have any discounts and schemes to offer you. This can help you lower the amount of car insurance premium you might pay.

6. Is the claims process open 24 x 7?

Since emergencies can strike at any hour, it is very important for you to check this service before you buy or renew car insurance online. Most companies provide round the clock service and online support.

7.Condition of your car

Depending on the condition of your car, car insurance companies will offer you a car insurance policy at a specific premium. It is important for you to understand this as well as be clear about how they make this decision to be fully aware of your policy.

8.Understanding deductibles

Before you can claim for your car insurance from the company, there might be an instance where you must pay an initial amount. Understand how much this amount will be before you buy or renew car insurance online. This way you won’t be caught blind sighted later.

Hope these tips will help you buy the right car insurance policy!

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