Buying car insurance was usually done offline, but thanks to technological advancements, it is now possible to buy car insurance online which is a lot easier and better.

Purchasing car insurance online saves you the cost of contacting an agent and gives you the benefit of getting it even in the comfort of your home! Things have become a lot less stressful, smarter, and faster with the use of digital tools, so why the stress?

However, to buy car insurance online and get the one that perfectly meets your need or budget, there are certain steps you must take.

This article would answer your questions about how to buy car insurance online, if it’s safe to buy car insurance online, what to watch out for, and how to add auto insurance online.

 

How safe is it to buy car insurance online?

 

This is the main worry of many car owners, how safe is getting car insurance online? Well, the answer to this question is that it is 100% safe to buy car insurance online.

All you need to do is to be sure you’ve done your research on the authentic insurance company and also done a comparison between them.

 

Now that you know there are no risks in purchasing car insurance online, let’s see how to buy car insurance online right away!

 

 

How to buy car insurance online

Buying car insurance online might appear easy but if not carefully done, might lead to some regrets, so you might wanna do this more carefully. Here are some steps you need to carry out before leaving your money in the hands of any insurance company.

 

#Carry out a meticulous research

You wouldn’t like to buy car insurance online just to find out it doesn’t have all the features you need so you need to carry out thorough research.

What are you to research? well here are a few parameters you should use as a guideline for getting tailor-made car insurance for you:

• Price: This is certainly one thing you should look out for, does the cost of the insurance convenient for you? does it go beyond your budget?. Knowing the price of car insurance and getting the most suitable one has been made much easier because you can compare the prices with others online!
• Coverage: Insurance companies differ in their prices and the coverages they offer. Before you buy car insurance online, make sure you find out their coverage and what services they offer.
• Customer care: Good customer service they say, keeps customers coming. You can analyze how good or bad an insurance is by checking out their reviews and ratings online. This can give you a hint of their delivery and services.

 

#Decide on what type of insurance you want

There are two types of car insurance, these are Third-party insurance and Comprehensive insurance and they differ in the coverage they offer.

While third-party is mandatory by law and converts only the losses of third-party, comprehensive insurance gives 360-degree coverage. You need to know exactly the insurance type you want to make a good decision on buying car insurance online.

 

#Have your documents ready

Now that you’ve decided on what type of insurance you want and made extensive research, everything else comes easy peasy. The list of documents you’d be needing includes:

• Vehicle registration number
• Driver’s License
• Vehicle model details
• Personal details including address, photo, and identity card
• Preferred payment mode details (acct number, bank name, IFSC code, UPI ID)
• Preferred insurance type

 

#Submit your details

The next step after getting your documents is simply to start with the purchasing. All you need to do is to log in to your preferred insurance company’s website, follow the written instructions and fill in your details. Carefully fill out your information on this website and re-verify your vehicle’s number most importantly.

N.B: Details might differ with the insurance company so get a hold of every necessary.

 

 

#Set the IDV value and add-ons

This step is only necessary if you choose a comprehensive insurance policy and not third-party insurance.

Insured Declared Value (IDV) is the total sum of money the insurance company would pay to you in the incident of loss or damage to your car.

Setting your Insured Declared Value (IDV) is very necessary, it determines the cost of insurance you pay for. The higher your IDV, the higher the premium amount. After setting your IDV, you can choose add-on covers like:

• Engine protection cover
• No claim bonus protection
• Zero depreciation cover
• 24×7 road assistance

Also know that add-ons have an impact on the premium amount you’d be required to pay.

 

#Make your payment

This is the final step in buying car insurance online, after you’ve filled in your details and chosen the right options for you, the next thing is to make a payment.

I’d advise that you take another look at your details and options selected before making that payment via your preferred payment mode. Once the payment has been made, you would be issued an acknowledgement mail from the company as well as the chosen insurance policy

 

How to add auto insurance online

Can I add auto insurance online? Yes, you can but this depends on your insurer and their terms & conditions, however, it is possible to add a car to your insurance policy. To add a new car, used car, or second car to your insurance, you need to update your policy online or call the company. You also need to provide the vehicle’s identification number (VIN), license plate number, vehicle’s make, and model.

Hope you found this article helpful and informative? Well, if you did, get that car insured today by following the aforementioned steps.

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