Primary keyword: compare insurance plans

Secondary keyword: compare car insurance

There are numerous instances of innocent policy buyers being sold fraud insurance. By following a few simple tips, you can ensure that you are never caught in this trap and buy only genuine policies. 

• Never submit any documents in original to an unknown person. These documents can include Aadhar Card, PAN card, Driver’s License, etc.
• Try to make online payments through a company’s official website, which is usually quite secured.
• Avoid issuing cheques for financial transactions.
• Do not entertain callers and mailers who you feel suspicious about. Especially the ones that offer bonuses and rewards. 

The above simple steps will provide you some immunity against being trapped in fraud insurance. However, you can compare insurance plans to choose one smartly and avoid any of the above altercations. Comparing plans gives you a lot more flexibility and lets you pick a policy with adequate coverage without hurting your budget.

Here are some smart ways by which you can compare insurance plans and choose one that is perfect for you.

• Cashless Benefits

Policyholders are quite keen on opting for cashless service and quite rightly. If you can get your car repaired without having to pay any cash up front, it is the best-case scenario. All the  car insurance companies collaborate with garages to ensure that you receive such benefits. 

Before buying a policy, you can quickly browse through the network garages to identify any friendly neighborhood garages.

• Pay Per Use

Few insurance companies now offer pay per use insurance plans. Car owners who do not use their vehicles a lot will find these policies quite intriguing. You can either opt for a 3000 Km, 5000 Km or 7500 Km plan, depending on the number of kilometers that you munch on a yearly basis. These plans are more affordable than the standard plans.

• Riders

Insurance companies offer riders or add-ons to increase the effectiveness of a standard insurance plan. There are a host of riders that you can choose from, thereby offering you even better flexibility. Riders also let you customize your plan based on your needs. 

For instance, if you are someone who drives around a lot, a roadside assistance rider might be of greater value to you.

• Coverage

As you compare car insurance, do not forget to look at the coverage that each policy offers. Some insurers offer just the standard insurance plan, others plug in a rider or two to make their policies more attractive. It is during comparison that you can look at these different aspects along with the policy premiums. 

There are different policy types also that you can choose from, as you compare insurance plans. You can choose from a third party liability policy, comprehensive policy, pay as you use policy, etc. depending on your needs.

Buying an insurance plan is not as complicated as some think it to be. By spending a few minutes in research, you will end up buying a much better policy for the same premium without compromising on the coverage.