How Can You Get a Free Instant Car insurance Quote?
Having your very own car is very convenient. However, it also comes with a lot of responsibilities.
If you’re a responsible vehicle owner, then you’ll definitely insure your vehicle as a protection for yourself and your hard-earned ride. But you might be wondering: what kind of car insurance do I need?
Luckily, buying car insurance can be a breeze, especially with one-stop platforms offering convenient application and processing. However, you still need to know and decide on which type of car insurance coverage works for best for you.
In this post, we’ve prepared some great auto insurance coverage recommendations and tips to help you easily choose the best policy for you and begin you’re driving adventure with complete peace of mind.
The one type of car insurance must have and three that are good to have
1. Compulsory third-party liability (CTPL)
Every year, car owners have to renew their vehicle registration with the Land Transportation Office (LTO). Apart from the documentary requirements you have to bring, one thing you have to secure before you get your registration renewal is compulsory third-party liability.
As it is part of the documentary requirements of LTO prior to registration, you cannot skip this. In fact, driving without CTPL coverage is a violation of the law.
To break it down, these are the crucial components of this type of insurance:
Compulsory. As previously mentioned, all car owners who renew their vehicle registration must secure this before they complete their application.
Third-party liability. This is a type of auto insurance that covers you from damages and injuries you incur to third parties. By third party, it means anyone involved in an accident except for the driver and other passengers of the vehicle. If a driver gets involved in a collision with another driver, neither of them are considered the third party.
Under CTPL, the maximum coverage claimable is P100,000.
While CTPL offers valuable financial insulation to car owners in case of an unfortunate incident, it does not cover the cost of repairs of the vehicle and other expenses related and hospitalization of you and your passengers.
2. Comprehensive car insurance
After CTPL, what is the minimum car insurance you need? This is pretty much it. It is the bare minimum coverage you can get that offers adequate safety and security to you and your investment.
Although comprehensive car insurance coverage does not offer a complete shield against the perils faced by everyday driving, it offers a substantial amount of protection for you and your car.
With this type of car insurance, your insurance company will pay for the repair or replacement of your vehicle due to the following events:
Theft or vandalism
Robbery or carnapping
Collision or overturning
Other malicious acts of a third party
Fire damage due to either self-ignition or external sources
Comprehensive car insurance may be valuable to car owners, even if you have to shell out an additional amount for another level of safety. Although this type of insurance is optional, it pays to be ready for different events that can undermine your investment and your life.
3. Additional coverage
If you feel like comprehensive car insurance is not enough, you can still supercharge your comprehensive car insurance coverage with additional coverages on your policy.
In the Philippines, the following add-ons are available to car insurance buyers:
Acts of nature coverage
Comprehensive car insurance does not include protection against natural disasters. To protect your vehicle from the likes of a flood, typhoon, earthquake, volcanic eruptions, landslides, and other natural phenomena that can damage your car, you need to augment your comprehensive car insurance with acts of nature coverage.
Auto personal accident
this coverage is already included in your standard comprehensive insurance. However, the maximum coverage per person is only P50,000 and only five persons are covered under it. If you have a bigger vehicle and you want to make sure everyone will receive adequate support, you should purchase this additional coverage.
So get your instant car insurance quote now and Make The Right Choice | eCompareMo.com
Buy Instant Car Insurance Online
Before you go looking for quotes for car insurance policies, it is important to know what goes into deciding your premium rates.
There are essentially two sorts of vehicle protection in India – third party and a comprehensive bundle. The former one covers damages to an outsider, which has experienced wounds in the event of any impact, while the latter is devoted to covering harms for the protected vehicle just as the obligation (outsider). The premium for car insurance in India is determined based on Insured Declared Value (IDV) of the particular model, No Claim Bonus (NCB) and some other markdown/offer incorporated into the plan. Strangely, all three factors are utilized to compute the comprehensive premium/bundle and are not pertinent for the risk or outsider. The Insurance Regulatory and Development Authority (IRDA) choose the protection premium for obligation and may transform it in like manner.
There are likewise a couple of different limits and offers a purchaser is qualified for apart from the No Claim Bonus. These advantages are given to a vehicle proprietor on the off chance that he/she gets enrollment of Automobile Association of India (AAI) or decides on an intentional deductible. Likewise, if there are any extra frill in the vehicle that is not associated with the selling cost or list of the producer, the premium of such highlights will be determined independently. In the wake of keeping up and figuring every one of these records, the vehicle protection premium for each model gets created each year.
Getting quotes online is easy since general insurance companies now offer the provision to use their car insurance premium calculator. The procedure is fairly simple as all you need to do is visit the insurer’s site, find the car insurance calculator and enter your details. Keep these documents handy:
- – Your personal details
- – Registration details
- – Information regarding your car
- You can use the generated quotes to compare policies and ensure that you are not exceeding your budget.
- Hope these tips and steps help you to find your car insurance quotes with ease.
- Instant Auto Insurance
Getting a quote for a car insurance is very easy and it is absolutely free of any charges. All you have to do is :
Choose an insurance provider
Visit their website
Search for the quote form
Fill in your car’s details and your personal details which are asked
The quote will be calculated and shown then and there.
How can I get car insurance instantly in India?
Just send a copy of your existing (even if it has expired recently) to the email id indicated in my profile. Our insurance adviser will facilitate you with a policy through a few clicks, and the soft copy of your policy will reach your email id even before you log in.
I was delighted by such service and the best part is that for the same specifications, premium was lower than popular sites, insurance agents offer and also that of Direct policy with insurance companies.
You can go online and purchase car insurance within 5 minutes.
Below are the steps:
Step no.1 : Visit General Insurance Website
Step no. 2 : Navigate to car insurance page
Step no. 3: Fill the quote form with your basic car details (i.e.: engine no. and registration no.)
Step no. 4: If you like the quotation go ahead and purchase.
You will receive your car insurnace policy soft copy within 1 hour. (Softcopy print out is valid)
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