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Compare Car Insurance: The Super-Easy Handbook

Thinking comparing car insurance plans is a waste of time? What you see below will survey change your mind.

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15+

Motor Insurance Companies
in India

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20+

Car Insurance plans available
in market

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16

Unique Add-on Covers to
choose from

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And amidst all this, you need to zero down on that
one policy - by Comparing Car Insurance Plans

Don't Compare Car Insurance Policies

…if you don’t care about your money, or about your car. If you do care about either – comparing policies is an absolute must. Here’s why:
Same car. Different insurance companies. Different car rates.
Not all policies have the same rates. Insurance companies give variable pricing and discounts depending on the Make, Model and Age of your car, among several other factors. At Coverfox, you can compare car insurance quotes from 12+ Car Insurance companies in a matter of seconds to get the best possible rates for your policy.
The power of choice.
Premium rates change dramatically based on your choice of IDV and Add-ons. A lower IDV and a Voluntary Deductible option would drastically reduce your premium rates. But these choices can have undesired outcomes at the time of claim. We suggest you the best value-for-money deal based on the data we have collected from the thousands of transactions done with us. The best part is, you have the power to customize your policy exactly the way you want, and get real time quotes from leading insurance companies in India.
Help from people like you.
There are other factors to finding the right policy, like the garage network for your car and the reputation of an insurance company when it comes to settling claims. Our experts will give you unbiased advice, but it’s always good to know what others like you are buying. We go through all our transactions and recommend you policies that people like you are buying. We look for the brand preferred by people living near you and who have a similar car as yours, and highlight the same.
Your pick of Insurance add-ons.
Car Insurance add-ons can prove very powerful at the time of claims and can help you save tons of money. If you don’t know about these add-ons and how they work, we highly recommend you read – our comprehensive guide to Car Insurance add-ons. The catch is – not all the insurance companies provide every add-on. You can compare which companies give you the add-ons you need, and which don’t, to make your choice.
Discounts (Who doesn’t love them!)
Every insurance company gives some discount against the Own Damage component of your car insurance. This discount varies from one insurance company to another for your car. Compare and find out which policy gives you the most discount for your car. At Coverfox, we have negotiated upto 60% discounts with the insurance companies!
Comparing online is the way to go.
Let your car dealer pitch car insurance plans to you. Hear out all the recommendations your friends have to offer. Listen to the local agent your Dad has been buying insurance from. But once… just once – try Coverfox and compare car insurance. The simplest way to buy insurance is – Online. The most transparent medium to compare car insurance is – Online. The cheapest rates for insurance are available… you guessed it right – Online. You don't have to take our word for it. Try it out yourself! Insurance companies save loads of money in logistics and salaries by selling insurance online over other channels, and they pass that benefit to you – the consumer – by giving discounted rates.
Is your favorite Garage cashless under policy?
Have a go-to garage for your car? Most of us have one. Check which garages are covered under ‘Cashless claims’ for every insurance company. You can use our handy tool here get to compare cashless garage network of Insurance companies.
Side-to-side comparison.
A side-to-side comparison of various car insurance plans on aspects like premium, IDV, add-ons available, deductibles, discounts offered, etc. make the evaluation process easier and help you boil down to the suitable plan for your vehicle.

Coverfox advantage Why Compare Car Insurance Policies from COVERFOX

Expert Advice

Expert advice and an informed, unbiased opinion that clears the confusion and helps you buy that perfect plan for you. Can it get any easier?
Expert advice

POST-SALES ASSISTANCE

Service Managers who assist you with all your post-sale requirements - from claims processing to renewals! They are like superheroes, but only better.
Post sales assistance

Consider These Before Comparing

Insured Declared Value(IDV)

IDV should be kept optimum. And not super low. It will lower the premium but you’ll be at a loss in case of theft / total damage.
Learn more

No-Claim Bonus(NCB)

NCB can give big discounts. But wrong NCB can lead to additional payments later or worse – claim rejection. Check and confirm previous NCB.
Learn more

  • What are Exclusions on my Car Insurance Policy? 1 min video
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Benefits of Comparing Car Insurance Policies Online

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Convenient and time-saving

There are several car insurance companies in the market. You would want to check quotes on all of them, but it is a difficult thing to do. Online comparison, on a site like Coverfox, can be done from the comfort of your home. You get to see quotes of different insurance companies on one single platform, helping you make the right choice.

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Better clarity of policy details

You get to understand your ideal coverage, the right price and possible discounts. You also get clarity about deductibles and exclusions with the help of insurance experts and advisors. This fastens up your buying decisions as well as you can purchase the policy easily and instantly online.

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Numerous options

With vast options to choose from, you can assure yourself the best policy that is apt for your car. Doing a comparison, you also get to know if there are new insurers in the market who have better schemes to offer.

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Side by side comparison

A side-by-side comparison of various car insurance plans on aspects like premium, IDV, add-ons available, deductibles, discounts offered, etc. make the evaluation process easier and help you boil down to the suitable plan for your vehicle.

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Transparency

What you see is what you get! Comparing car insurance online is much better as you can clearly see details of the product that insurers have to offer. You can compare to see who is charging higher premiums and on what grounds they do so. Further, you can also read reviews about the different car insurance plans and then make your choice.

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Get Smarter

Online comparison platforms have tons of resources like Videos, Infographics and Articles to help you understand the finer points of Insurance. Get smarter about insurance and understand what you are buying. You'll never have to rely on an agent again!

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FAQs
FAQs on Compare Car Insurance

What parameters should I keep in mind while comparing car insurance quotes?

While doing a car insurance comparison, you need to consider the amount you are willing to pay as premium with respect to the best coverage options available. Depending on the car model, engine type, and your area of residence, you need to understand what are your car insurance requirements and limitations.

A little background research is required on the insurance companies. Compare car insurance premium breakup of quotes by different insurers. Check if the Insured Declared Value (IDV) is optimum enough to save you from total losses of your vehicle in the event of an accident or theft.

Choose add-on covers, like zero-depreciation cover, as per your requirement. Apply discounts (like No-claim Bonus on own-damage premium) and then compare to see if the insurance quote provides value for money.

How does Coverfox.com assist me with car insurance comparison?

When you compare car insurance quotes on Coverfox.com, you get to customize your car insurance premium based on the different insurers available, the IDV and add-on covers. You can schedule inspection of your car if required by the insurance company. In case you do not understand the plan that you choose or any other aspect of the plan that you wish to buy, then our expert advisors are available to guide you through the process.

Can I expect the quotes to change if I compare now and then try again after few hours?

It won’t change in few hours. However, it may change after every 15 days only if insurance companies update their insurance prices. In such cases, the insurance quotes may increase or decrease. However, note that each year, IRDAI revises the third-party rates, so you would find a change in quotes annually due to revision in third-party part of the premium.

If I have viewed quotes for comparison and want to save them so that I can review them later, is it possible to save quotes?

For this, you can bookmark the URL and then view the quotes as per your convenience.

Another option that you have on Coverfox.com is to view your quote and click on the button ‘shares these quotes’ and then copy paste the link and save it somewhere. Perhaps if you want to show these quotes to your dad or a friend, you could do so easily via the share button.

Will my premium get cheaper each year if I stick to the same insurer?

No it is not necessary that your premium will get cheaper if you stay with the same insurer. Insurers usually don’t offer retention discounts online. They may have their own discounts to offer – Example: Occupation discount, etc.

If at all your premium decreases it could be because your IDV has reduced. Or perhaps, you had a claim-free year so you can ask for NCB discount. Or perhaps you chose to discontinue certain add-on covers. For example, you may have had a zero-depreciation add-on but that would be valid only till the 5th year. From the 6th year onwards, since the add-on is discontinued, your premium is lowered by default.

Your premium could also increase, if you may have added few more add-ons such as personal accident cover add-on or accessories cover add-on. Sometimes, due to increase in taxes, the premiums can increase.