Guntur Car Insurance

Car Insurance in Guntur

Popularly known as the ‘Land of Chillies’, Guntur is renowned for being one of the biggest chili market yards in all of Asia. Guntur is also home to an important Buddhist pilgrim site in the southern part of India – Nagarjunakonda.

If you live in Guntur and have recently bought a car, it is important to remember that having car insurance is necessary. It helps avoid redundant financial losses in case you are in a car accident, or in case of loss or theft. Being a major export hub and an administrative headquarter in the state, Guntur has roads that remain busy all throughout the day.

Best Car Insurance Rates in Guntur

A number of companies are providing competitive car insurance prices in Guntur along with other useful features such as cashless repairs, fast claims processing, and 24x7 support.

• TATA AIG Car Insurance: TATA AIG Car Insurance is a partnership between American International Group and Tata Group. The company provides excellent options when it comes to the general insurance needs of the people in India. For car insurance in Guntur, the company offers a huge network of agents, offices, and brokers that widen the scope of the business in the city.

Some of the top features of this car insurance include:

a) Strong digital presence makes car insurance renewal online possible.

b) Provides protection against damages, theft, and losses.

c) Huge network of cashless garages

d) Instant claims processing

e) Useful add-on cover options such as key replacement, tyre secure, engine security, loss of personal belongings, consumable expense reimbursement, depreciation reimbursement, etc.

• Future Generali India Car Insurance: An extremely popular car insurance in India, Future Generali India Car Insurance comes up with solutions for all private car insurance needs in Guntur. It is a comprehensive car insurance policy that takes care of the damages caused by third-party vehicles as well as your own vehicles.

Some of the top features include:

a) Quick policy issuance

b) Seamless claim process

c) Reimbursement and cashless claim settlement

d) Towing assistance in case of an accident

e) Quick car insurance renewal online

• Liberty General Insurance: The company deals in a huge portfolio of different car insurance products, including standalone own-damage insurance, comprehensive car insurance, and third-party car insurance policies. These policies can be bought for both old and new cars. With operations across 28 states in the country, it can be bought both online and offline.

The top features of Liberty car insurance include:

a) A huge network of 4300 garages across the country

b) Additional covers for more protection

c) Digitally enable car insurance policies

d) Promise to settle claims within 7 days

Tips to Get a Car Insurance in Guntur with a Low Rate

Here are some beneficial tips that will help you get the best deals on car insurance at a low rate:

• Don’t choose the first plan you see: When you check car insurance online, do not sign up with the first plan you find. Research well and compare the different options available. Make sure to consider factors such as insurance policy coverage, premiums charged, claim settlement ratio, exclusions, etc. before making your decision.

• Consider voluntary deductions: Voluntary deduction refers to the amount that you have to pay from your pocket in case of an accident. If you don’t opt for a voluntary deduction, you will receive a 100% claim settlement amount. Your insurance premiums will be a lot less if you choose a high voluntary deduction amount.

• Install anti-theft devices: Many car insurance companies offer low rates to people with anti-theft devices installed in their cars, as it reduces the risk of loss due to theft. Other safety features, such as airbags, also help in reducing car insurance premiums.

• Avoid claiming for minor damages: Remember that for each claim-free year, many insurers provide a No Claim Bonus (NCB). For 5 claim-free years, you can earn as much as 50% of the bonus amount. This NCB can be used to get discounts on car insurance premiums during car insurance renewal online.

• Don’t let the policy lapse: Always make sure to renew your insurance policy on time. Of course, it is illegal to drive your car without insurance, but you will also lose all your NCB if your policy lapses. So make sure to renew your car insurance before your policy expires.

How to Fill a Car Insurance Claim?

As a car owner, you must always be mentally prepared for road accidents. Even if you follow all traffic laws and drive safely all the time, you can still be involved in an accident at any time. During such unexpected times, it is important to know how to file a car insurance claim.

Car insurance claims can be classified into two types:

• Cashless claims

• Reimbursement claims

Whether you buy comprehensive or third-party car insurance, you can significantly reduce your financial liability that may occur due to an accident. Here's how you get your insurance amount reimbursed:

• The first step towards filing a claim is to inform the insurer about the accident.

• Then, you need to provide as much information as possible along with the relevant documents that would help the insurer analyze the accident or theft.

• An inspection officer from the insurance company will come to see your car's state if the claim is due to an accident.

• If the claim matches the terms of your policy, your claim will be accepted and you will be compensated for the damages.

What You Need to Apply for a Car Insurance in Guntur

If you are buying car insurance in Guntur, you will be required to provide some relevant information to the insurer. In the event that you fail to submit the necessary information or provide incorrect information, you will not be able to buy the insurance. You may even get a penalty. The information that you need to provide the insurance company at the time of the purchase includes:

• Your personal details, such as your name, address, gender, occupation, and date of birth

• Your driving license details

• A copy of your Registration Certificate and your Vehicle registration number

If you are buying car insurance online, you will also be required to share your debit or credit card details to make online payments. IRDAI also prohibits insurance companies from providing insurance policies without a valid Pollution under Control certificate (PUC certificate). This can be obtained from any computerised facility that checks the pollution levels of your car. These facilities are available in various workshops and at petrol pumps.

Documents Required

• Proof of your identity, such as an Aadhar Card, PAN Card, Passport, or other government ID

• Proof of address, such as your ration card, matric certificate, Adhar card, etc.

• A driving license copy

• A recent passport-size photograph

• Your Vehicle Registration Number

• A copy of your Car Registration Certificate

• PUC (Pollution Under Control) Certificate

• Card details for making online payments