In today’s era, automobile has become an important and vital part of every person’s life. Now whether it is a car or a bike, it has become necessary to get insurance for every vehicle. It is important because auto insurance not only protects your vehicle but also stands by you in case of any untoward incident on the road And also provides financial help in emergency situations.

But today the question is what are auto insurance quotes and how to get it, along with this, you will see important information related to auto insurance quotes in this blog post, Like what factors affect their premiums, and how you can get the most affordable and suitable insurance plan.

What are auto insurance quotes?

When you collect information from different companies to buy car insurance, they give you an estimated price called an “auto insurance quote”। This quote is prepared depending on several factors such as the type of your vehicle, your age, location and other factors.

Types of Auto Insurance

Detailed information about the main types of auto insurance are provided here,

(Auto insurance are mainly of two types)

1. Third-party insurance

• This is an insurance mandated by the government.

• It insures only the other party (the one you cause damage to in an accident)

• It is the most economical but does not cover damage to your vehicle, along with other important

2. Comprehensive Insurance

The key features of Comprehensive Insurance Quotes are as follows:

• It protects your vehicle along with third-party cover.

• Also covers incidents like theft, fire, natural calamities and road accidents

• It is costlier but provides more protection

• Usually these types of insurance plans are expensive.

Factors affecting auto insurance

Auto insurance depends on a variety of factors. All the main factors are described below.

1. Type and model of vehicle:

Luxury cars are expensive to insure, while small and low-cost vehicles are cheaper to insure.

2. Vehicle usage:

If you drive long distances daily, your premium will be higher.

3. Driver’s age and experience:

Young and new drivers have higher insurance rates, while experienced drivers get insurance at lower rates.

4. Location:

The risk of accidents is higher in cities, so insurance is expensive here.

6. No-claim bonus:

If you have not made any claim, you can get a discount.

7. Distance

If you travel a long distance everyday then your insurance will be costlier and bigger,

How to get auto insurance quotes?

You can use the following methods to get auto insurance quotes:

1. Get quotes from the websites of online insurance companies

• You can get quotes by visiting the websites of companies like HDFC ERGO, Bajaj Allianz, ICICI Lombard.

• You will need to fill in your vehicle details, location and personal information.

• The website will instantly generate an insurance quote for you.

2. Use online websites

• You can compare quotes from different companies by visiting websites like Policybazaar, Coverfox, and Insurancedekho.

• With this trick, you can compare different types and select a cheap and strong plan

3. Get quotes from the dealership

• If you have bought a new car, you can get Insurance quotes from the car dealership.

• This plan or method can be costly as it involves various commissions which can demand more money.

4. Contact an insurance agent

• Agents can suggest plans based on your budget and needs.

• However, there may be additional agent commission added to it, which can make it more expensive. It depends on different agents how much commission they charge.

Documents required to buy auto insurance

1. Vehicle Registration Certificate (RC) – It is necessary to have RC (Vehicle Registration Certificate) of whatever vehicle you have.

2. Driving License- Applicant must have his/her own Driving License either old or new.

3. Identity Proof – like Aadhar Card, PAN Card, Voter ID Card etc. will be required.

4. Address proof- electricity bill, ration card, voter ID

5. Old policy if you already had insurance and are renewing it

Latest Auto Insurance Plans Available in India

The following auto insurance plans are detailed one by one below

1. HDFC Ergo Car Insurance

• Digital policy buying and renewal facility
• On-spot claim approval
• Cashless repairing network
• Personal accident cover
Special:- HDFC Ergo Car Insurance offers great services like digital policy purchase and renewal facility and other important features

2. Bajaj Allianz Car Insurance

• Engine Protection and Key Replacement Coverage
• No Claim Bonus Transfer Facility
• Easy Online Claim Process
• Low Premium and Comprehensive Coverage
• Other Online Help Facility
Special:- Bajaj Allianz Car Insurance offers important features like engine protection and key replacement coverage

3. TATA AIG Car Insurance

• Accident, natural calamity, and theft coverage in insurance plan
• Cashless claim settlement
• Quick service and support for customers
• Online facilities
Special:- Best services by TATA AIG Car Insurance along with quick service and support to the customers which is catered with both online and offline process

4. SBI General Car Insurance

• Affordable third-party and comprehensive plans
• Wide range of add-on coverage
• Special schemes for big cities and rural areas
Special:- Many types of new schemes are also being implemented and updated by SBI General Car Insurance

5. ICICI Lombard Car Insurance

• Third-party and comprehensive plans available
• 24×7 roadside assistance
• Zero depreciation and engine protection add-ons
• Quick claim settlement process
Special:- Other important online services offered by ICICI Lombard Car Insurance are also

All these are the top insurance companies of India. The plans of all these companies may be different. The information required for all the facilities has been explained in detail above. Along with this, some companies are continuously updating their plans, complete information of which can be obtained by visiting the official website.