Car insurance is essential and you have to renew it before it loses it expires. Since there are scores of insurers available such as Oriental Insurance you need to compare car Insurance and pick your car insurance plan judiciously. Most car insurance plans come with similar set of benefits so you don't compare car Insurance you cannot choose the best policy as per your budget and requirement. You might get confused by a plethora of providers such as Oriental Insurance and could not find the right insurer for your vehicle if you don't compare car insurance companies performance over the years . So, here are four insider tips to settle with the best insurer like Oriental Insurance and stay protected through the most beneficial policy available at an affordable price.
Track Record of the Provider
Car insurance companies like Oriental Insurance are not equal when it comes to settling claims of the customers. You should compare car insurance companies in terms of claim settlement ratio of all car insurance providers in India including Oriental Insurance. Aside from the ratio you should also compare car insurance companies on the basis of the time they take to settle claims. Your chosen provider of car insurance must have high claim settlement ratio and it must settle the claim quickly.
Customer Service of the Provider
With the advent of internet you can not only compare car insurance online but can also go through the online reviews of other customers about the customer service of various providers like Oriental Insurance. You need to compare car insurance companies and choose the one that responds to customers' queries promptly and efficiently. Providers like Oriental Insurance boast bespoke calling executives and surveyors that can inspect the damaged vehicle. The after-sell service of the car insurance company is of utmost importance and you should compare car insurance companies in that regard as well.
Coverage of the Policy
One of the most important aspect of the car insurance plan is the coverage it provides. Insurers like Oriental Insurance endow car-owners with comprehensive coverage which includes both damage to the insured vehicle liabilities towards third party and you should also go for that kind of coverage to ensure all-encompassing coverage. Although, comprehensive coverage is optional and you can save on premium by choosing a plan with third-party liability coverage. But, it is wise to spend a bit more to rest assured of being covered from all sorts of untoward events.
Cost of the Policy and Available Benefits
Although, most people consider only premium while choosing car insurance plans, but it is not the right way of selecting the best car insurance plan. You should compare car insurance quotes online but you need to pay heed to other features and discounts available with the policy. Providers like Oriental Insurance come with various discounts such as NCB that you can use to reduce the premium. Cheaper car insurance plans don't always come with all the important features and expensive plans also come with a host of unnecessary features that you hardly need. Hence, car insurance quotes online is not the sole criterion when you compare car insurance for your vehicle.
Hopefully, these tips will help you select the best insurer like Oriental Insurance and secure the best car insurance plan for your vehicle.
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