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Tips for Best Car Insurance

Riding a car is like your heartbeat. You feel the beat of the car as it races down the road. You must understand your car well to provide it good insurance. The premium you pay for the car insurance depends on the type of car you drive. So follow these tips for best car insurance.If the car you own is a diesel car you would have to pay a higher premium to insure it, rather than a petrol car.This is because diesel cars have a higher maintenance cost compared to the petrol cars. If the diesel car is not maintained well it would breakdown faster than the petrol car. Also a diesel car costs more than a petrol car.This means you have to pay a higher premium to insure your diesel car rather than the petrol car.

What happens if you drive an SUV?

The cost of the SUV is high and so are its maintenance costs. You would have to pay a higher premium to insure your SUV than an ordinary petrol car.

What factors determine the premiums you pay for the car insurance?

Your gender is very important in determining the premiums you pay for your car insurance.Women are considered safe drivers and are charged a lesser premium than men.Your marital status is also important when deciding the premium for your car insurance. If you are married you are charged a lesser premium as it is believed you are a more responsible driver than an unmarried male. If you reside in a densely populated urban area you would have to pay a higher premium for your car insurance policy, as the chances of your car meeting with an accident are high.If you reside in an area where burglaries and theft are common then you have to pay a higher premium for your car insurance policy. If you are older in age you are regarded as a safer driver and are charged a lesser premium.

What about your profession?

Your profession also plays an important part when deciding the premiums you pay for the car insurance.
Student: Considered to be a rash driver and pays a higher premium.
Journalist: Considered to use the car frequently and this means higher maintenance costs and thus higher premiums. Doctors , lawyers, police officers and teachers are considered to be law abiding citizens and also use their cars less frequently. This means lesser premiums for the car insurance policy.

What about the maintenance of your car?

You have to maintain your car well to avail a lower premium for your car insurance .Keep the car well covered. A closed door garage would be helpful. The car should be equipped with anti theft devices (a good security system) to deter thieves.

Check your zone

Your premiums are higher depending on where your car is registered.Certain cities called Zone A cities charge you a higher premium for your car insurance policy.
Zone A : Mumbai, Delhi, Chennai, Kolkata, Pune, Ahmedabad, Bangalore.
Zone B: Rest of India. The premiums are lesser in Zone B cities. Keep these tips for best car insurance handy when choosing a car insurance policy.

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