Car Insurance: Car Insurance gives coverage against accidental loss or damages to own car or to a third party. While choosing a car insurance policy, a person should always compare premium offered by various insurers to ensure that he got the best deal. The amount of premium would depend on the make & value of car, state from where it is registered and manufacturing year. 
Teenage drivers who have no driving record will have higher car insurance premiums. However, young drivers are often offered discounts if they undertake further driver training on recognized courses, such as the Pass Plus scheme in the UK. In the US many insurers offer a good-grade discount to students with a good academic record and resident-student discounts to those who live away from home. Generally insurance premiums tend to become lower at the age of 25. Some insurance companies offer "stand alone" car insurance policies specifically for teenagers with lower premiums. By placing restrictions on teenagers' driving (forbidding driving after dark, or giving rides to other teens, for example), these companies effectively reduce their risk.[45]
The Road Traffic Act, 1933 requires all drivers of mechanically propelled vehicles in public places to have at least third-party insurance, or to have obtained exemption – generally by depositing a (large) sum of money to the High Court as a guarantee against claims. In 1933, this figure was set at £15,000.[21] The Road Traffic Act, 1961[22] (which is currently in force) repealed the 1933 act but replaced these sections with functionally identical sections.
Having a third-party insurance plan is compulsory for all automobiles plying on the Indian roads. This insurance plan provides the coverage arising out of for injuries or damages caused to other people. The beneficiary is third-party only. The prudent way to get coverage for the losses or damages caused to the insured vehicle is buying a comprehensive insurance plan. It provides the coverage for third-party liability along with own damage caused to the insured automobile.
Yes, motor insurance is transferable to the purchaser of the automobile. All you have to do is inform in writing about the transfer to its insurance provider. The original owner of the car needs to fill out a new proposal form. A nominal fee is charged for the insurance transfer along with the recovery of No Claim Bonus from the transfer date till policy expires on a pro-rata basis.
Driving without the necessary insurance for that vehicle is an offence that can be prosecuted by the police and fines range from 841 to 3,287 euros. Police forces also have the power to seize a vehicle that does not have the necessary insurance in place, until the owner of the vehicle pays a fine and signs a new insurance policy. The same provision is applied when the vehicle is standing on a public road.

In several countries insurance companies offer direct repair programs (DRP) so that their customers have easy access to a recommended car body repair shop. Some also offer one-stop shopping where a damaged car can get dropped off and an adjuster handles the claim, the car is fixed and often a replacement rental car is provided. When repairing the vehicle the car body repair shop is obliged to follow the instructions regarding the choice of original equipment manufacturer (OEM), original equipment supplier parts (OES), Matching Quality spare parts (MQ) and generic replacement parts. Both DRPs and non OEM parts help to keep costs down and keep insurance prices competitive. AIRC (International Car body repair Association) General Secretary Karel Bukholczer made clear that DRP's have had big impact on car body repair shops.[60]
A compulsory car insurance scheme was first introduced in the United Kingdom with the Road Traffic Act 1930. This ensured that all vehicle owners and drivers had to be insured for their liability for injury or death to third parties whilst their vehicle was being used on a public road.[1] Germany enacted similar legislation in 1939 called the "Act on the Implementation of Compulsory Insurance for Motor Vehicle Owners."[2]
One of the great things about netQuote is convenience. Rather than having to do the research yourself to get an insurance comparison, netQuote does it for you. Filling out an insurance form can be time consuming, but if you use a service like ours, you only have to fill out these questions once and you can get as many as five insurance quotes from major providers within your area. Without netQuote, you not only have to reach out to those same companies individually and fill out their questions each time, but you also have to make sure that you answer every question in the same way each time. If you don’t, your insurance quotes won’t be apples to apples, and if you aren’t making an accurate side-by-side comparison then you really aren’t judging each company’s policies objectively.
Safe Auto Group Agency, Inc. will be the agent of record for any quotes issued or policies bound via this website. However, the website and domain are maintained, serviced and published by Millennial Specialty Insurance, LLC. ("MSI"). MSI collects, maintains and stores the data and information collected on and through this website and from third party vendors. Safe Auto Group Agency, Inc. is not responsible for the content or operation of this website or how MSI handles or uses your information. Please reference MSI's Privacy Policy and Terms of Use for further information.
Several jurisdictions have experimented with a "pay-as-you-drive" insurance plan which utilizes either a tracking device in the vehicle or vehicle diagnostics. This would address issues of uninsured motorists by providing additional options and also charge based on the miles (kilometers) driven, which could theoretically increase the efficiency of the insurance, through streamlined collection.[3]

Safe Auto Group Agency, Inc and/or its affiliates (“Safe Auto”) is located and operated exclusively in the United States of America. Safe Auto does not offer goods and/or services in any language of an European county, does not deal in any European currencies, and does not underwrite risks for or issue policies to individuals or companies located in the European Union.


Soon after the introduction of the Road Traffic Act in 1930, unexpected issues arose when motorists needed to drive a vehicle other than their own in genuine emergency circumstances. Volunteering to move a vehicle, for example, where another motorist had been taken ill or been involved in an accident, could lead to the "assisting" driver being prosecuted for no insurance if the other car's insurance did not cover use by any driver. To alleviate this loophole, an extension to UK Car Insurances was introduced allowing a Policyholder to personally drive any other motor car not belonging to him/her and not hired to him/her under a hire purchase or leasing agreement. This extension of cover, known as "Driving Other Cars" (where it is granted) usually applies to the Policyholder only. The cover provided is for Third Party Risks only and there is absolutely no cover for loss of, or damage to the vehicle being driven. This aspect of UK motor insurance is the only one that purports to cover the driving of a vehicle, not use.
For instance, if your automobile is registered in Chennai, the applicable charges for Zone A would be charged. Even if you shift to another town or city, the same charges would be applied. Likewise, if an automobile is registered in a town, Zone B premium charges are applicable. Later on, in case the vehicle own moves to a metro city, he would be charged the rate of the Zone B only

The registration number of the vehicle shown on the insurance policy, along with other relevant information including the effective dates of cover are transmitted electronically to the UK's Motor Insurance Database (MID) which exists to help reduce incidents of uninsured driving in the territory. The Police are able to spot-check vehicles that pass within range of automated number plate recognition (ANPR) cameras, that can search the MID instantly. It should be noted, however, that proof of insurance lies entirely with the issue of a Certificate of Motor Insurance, or cover note, by an Authorised Insurer which, to be valid, must have been previously 'delivered' to the insured person in accordance with the Act, and be printed in black ink on white paper.
Having a third-party insurance plan is compulsory for all automobiles plying on the Indian roads. This insurance plan provides the coverage arising out of for injuries or damages caused to other people. The beneficiary is third-party only. The prudent way to get coverage for the losses or damages caused to the insured vehicle is buying a comprehensive insurance plan. It provides the coverage for third-party liability along with own damage caused to the insured automobile.
Auto insurance in India deals with the insurance covers for the loss or damage caused to the automobile or its parts due to natural and man-made calamities. It provides accident cover for individual owners of the vehicle while driving and also for passengers and third party legal liability. There are certain general insurance companies who also offer online insurance service for the vehicle.
The use of non-intrusive load monitoring to detect drunk driving and other risky behaviors has been proposed.[57] A US patent application combining this technology with a usage based insurance product to create a new type of behavior based auto insurance product is currently open for public comment on peer to patent.[58] See Behavior-based safety. Behaviour based Insurance focusing upon driving is often called Telematics or Telematics2.0 in some cases monitoring focus upon behavioural analysis such as smooth driving.
Now that the industry has changed such that you can get insurance rates for free, you need to know how to compare insurance rates so that you are getting the best deal to protect your home, car, business, health or family. First, once you fill out a form on netQuote, your work isn’t finished. You now need to compare the exact policies from each company and see:
×