Keep these things in mind while taking car insurance, choose a good car insurance policy like this

How To Choose Right Car Insurance Policy: It is mandatory for every car running on the road to have insurance. Then whether the insurance is third party or comprehensive. If a car does not have insurance, then its challan can be deducted. So let us tell you what are the things to keep in mind while taking a good car insurance policy.

Keep these things in mind while taking a car insurance policy

Policy coverage: It is important to know what the car insurance policy covers you. Make sure that the policy covers damages, theft and other risks to your car.

IDV Value: IDV (Insured Declared Value), this is the current value of your car in terms of insurance. The current value of the car is recorded by the insurance company as IDV.

Add-ons: Many types of add-ons are offered with the insurance policy, among them you can add the add-ons to the policy by looking at your requirement. However, they increase the premium.

Policy terms and conditions: Read the terms and conditions of the car insurance policy carefully. Agree to the terms and conditions of the policy, only then take it. However, certain terms and conditions are common for all policies. 

Compare policy premium: Compare the premium of the car insurance policy you are taking with other policies as the premiums may differ depending on the companies. Make sure you are paying the right premium.

History of the insurer: Make sure that the insurer is reliable and settles claims quickly. For this, you check its claim settlement ratio, it should be good.

Driving History: If you have a good driving history, you will have to pay lesser car insurance premium. If you have taken any insurance claim before then the premium will increase.