How to Get the Best Car Insurance for Your SUV

Driving around in a Sports Utility Vehicle (SUV) has its own charm. The mighty car can be equated with a King’s chariot; strong, appealing, and powerful. However, one must take adequate measures to safeguard this asset. Following road rules and driving cautiously is a necessity. Apart from this, purchasing an extensive car insurance policy is a good way of mitigating financial losses in case of mishaps involving the insured SUV. Also, insuring your car with at least a Third-party Liability policy is a mandatory requirement.

How to Get the Best Car Insurance for Your SUV - Acko

The following points will help you to get the best car insurance policy for your SUV.

Types of Car Insurance Online

Digitization of the Indian insurance industry has made it possible to insure your car in an extremely convenient manner. Therefore, insuring your SUV online is a beneficial option, purely in terms of convenience. There are two types of policies: Third-party car insurance online and Comprehensive policy online.

A Comprehensive plan is better than the basic Third-party car insurance online option as it includes the mandatory aspect of the Third-party policy as well as insures the SUV against accidents, calamities, and theft, etc. Moreover, you also have the option of purchasing riders/Add-ons along with a Comprehensive plan. These Add-ons cannot be purchased individually or along with a Third-party Liability policy.

Pick the right Add-ons

Add-ons are additional covers designed to provide an extra layer of insurance for your vehicle. They do increase your car insurance premium but offer enhanced coverage. It is crucial to choose only those Add-ons that meet your requirements. Therefore, one must analyze own requirements and purchase only those add-ons that add value to your policy.

SUVs are designed for long, rough, road trips; and you might be taking your SUV for a spin regularly on such road trips. In such cases, a Roadside Assistance Add-on is of great importance. If your car breaks down in the middle of a trip, all you need to do is call up your insurer and they will take care of your car by either sending a mechanic or towing your car to a nearby garage. Apart from this, other popular Add-ons are: Zero Depreciation, Return to Invoice, Passenger Cover, etc.

Car Insurance Comparison

Car insurance comparison is an integral part of the research process when it comes to finding the right car insurance company and the policy. Car insurance comparison helps you to find a low-priced car insurance policy, without compromising on the coverage.

Compare car insurance based on the following points:

–          Coverage provided by the policy

–          Premium charged by the insurer

–          Claim settlement aspect of the insurer

–          Overall service of the insurer

If you were associated with an insurance provider earlier, you can compare car insurance based on your previous experience by looking at new-age insurers and their offerings. Digital-first insurance companies might provide exclusive offers from time-to-time on their website.

Renew on Time

Purchasing a car insurance policy for your SUV is not a one-time process. It needs to be renewed to keep it active. Remember, an expired car insurance policy is an invalid policy. Driving your SUV with an invalid policy is not at all fruitful. You can be penalized for doing so as it is as bad as driving without car insurance. Thus, it is better to renew your car insurance policy in advance. Renewing it a week before the expiry date is a good idea. This way, last-minutes hassles associated with renewing car insurance can be avoided.

Read informative Car Insurance Articles at Acko.

Read all our insurance & non insurance related articles here.