Affordable & Cheap Car Insurance Online

Click on ‘check price’

Fill in your vehicle details, such as its registration number, year of purchase, and other details

You also need to enter personal details such as mobile number and area pincode

Then, select a desired plan 

Next, customise your policy with available add-ons and Insured Declared Value (IDV)

You will also have to enter the chassis number, engine number, and select whether you have opted for a car loan or not

Finally, review all the details and proceed with the premium payment

The cheapest insurance for car may offer limited protection to your precious vehicle. So, instead of compromising on the coverage just because of the budget, you must increase your budget and choose adequate coverage

To keep premiums low, many insurance companies offer affordable plans that come with higher deductibles. A higher deductible translates into you paying a higher amount from your own pocket during the time of claim settlement.

When you are looking for affordable car insurance plans, you may often lose the opportunity to customise them with add-ons, as this will simply increase the premium amount. 

Some affordable policies may leave gaps in coverage, especially for specific situations like natural disasters or damages due to rat bites.

When you go for a cheap car insurance policy, you may not get access to a wide range of network garages. This may compromise the car repair process during the time of the accident.

Buying a cheap car insurance policy may result in you compromising with the customer support experience. Your claim settlement may also get delayed and this may result into a frustrating experience for you as a policyholder.

Type of Coverage: The car insurance premium depends a lot on the type of coverage you choose for your vehicle. For instance, if you have bought a third-party car insurance, then the premium will be lower as compared to a Comprehensive policy.

Driving History: If you have a history of traffic rule violations, then the car insurance premium will be higher for you as this indicates a bad driving history. A bad driving history increases the insurer’s liability.

IDV: The IDV or Insured Declared Value reflects to the market value of the car. The higher the IDV, the higher will be the premium amount.

Add-ons: Including add-ons like Roadside Assistance Cover, Return to Invoice Cover, results in an increased premium. While these add-ons offer additional coverage, it also increases the premium amount.

Deductibles: Deductible refers to the amount that the policyholder needs to pay from their own pocket during the time of claim settlement. The deductible amount is conversely proportional to the premium which means lower the deductible, the higher will be car insurance premium.

Claim History: The claim history is a record to show if you have raised a claim in a given policy term or not. In case you have not raised any claim, then a No Claim Bonus will be rewarded. The No Claim Bonus or NCB results in a lower car insurance premium.

Car’s Engine Capacity: The higher the engine capacity of the car, the higher will be the premium.