Our priorities have changed a lot over the last few decades. Food, clothing, and shelter aren’t the only necessities in life. A car is on the list too. You need a car to commute to work, run errands, drive your kids to school and for several other things. Also, buying a car isn’t a hassle anymore with many financing options available.
The ease of buying a car means an increase in road traffic, which ultimately increases the risk of road accidents. The financial losses that may arise because of these accidents can burn a hole in your pocket. With the help of a car insurance policy, you can avoid these losses.
If you have just bought a new car, you might be wondering –
“Which car insurance policy should I choose?”
There are several insurance companies in the market, each selling car insurance at different rates. To make the right choice, genuine reviews of existing policyholders can help you a lot.
Tata AIG General Insurance company is known amongst thousands of Indian car buyers for its comprehensive car insurance policy. You can find authentic reviews online shared by its customers to know more about its reputation.
There are many reasons why buying car insurance based on customers’ reviews makes sense.
- You Need Not Compare Various Policies Thoroughly
Before you set out to buy a car insurance policy, comparing various policies offered by different insurers is essential.
Then, you need to dig deeper to find out their coverage, premiums, network garages included, and cashless claim facility, if available. You want to know all of this to ensure a hassle-free claim settlement in the future.
However, basing your choice on reviews of existing policyholders will make things simpler. And, if you do so, you need not compare policies intensively.
This is because genuine reviews can tell you a lot about a user’s experience of buying the policy and related claim process. You can even ask your friends or colleagues about their reviews of a car insurer they might have used.
- You Get to Know More About the Add-ons
Other than the obvious benefits you get with a car insurance policy, you can opt for add-ons to make the policy stronger. By paying a slightly higher premium, you get additional coverage to save money in the long run.
But there are several add-ons, each with unique benefits. Take the case of depreciation reimbursement cover offered by Tata AIG. With this add-on, you get a full claim without deducting the depreciation amount. Similarly, there is a roadside assistance add-on to facilitate servicing of your car within a specified geographical territory.
If you are a first-time car buyer, you might not know which add-ons you should include as per your needs. However, genuine customer reviews can help you in this aspect.
- Online Reviews Help You Choose the Right Deductible
At the time of insurance claim settlement, you have to pay a certain amount for damage repair services while your insurer pays the rest. In insurance terminology, it is called a deductible.
One crucial fact related to the deductible is that it determines the premium you pay for a car insurance policy. The higher the deductible, the lower will be the insurance premium.
Generally, the insurers include a minimum deductible of around ten percent of the total claim amount.
If you want to choose a higher one, how much should it be?
Knowing about others’ experiences through their reviews can tell you more about choosing the right deductible. Accordingly, you can then contact your insurer to make the necessary changes in your policy.
A comprehensive car insurance policy safeguards your car against possible damages. Indeed, it is a tough task to choose one, as there are so many aspects you must consider beforehand. The recent changes in the traffic rules have made it more important to buy car insurance. Genuine customer reviews about Tata AIG’s car insurance will help you buy the most suitable policy for your car. So, check Tata AIG’s reviews to make up your mind, clear any doubts and buy the most appropriate policy.