Insurance Car Quotes: Compare, Save & Choose the Best Car Insurance in 2025
Car insurance is not just a legal formality—it’s your safety cushion against financial losses and road mishaps. Whether you’re a first-time car buyer or planning to renew your existing policy, getting accurate insurance car quotes is the smartest way to find the best coverage at the best price.
In this guide, we’ll walk you through everything you need to know about insurance car quotes: what they are, how they work, how to compare them online, and how to save on your premiums.
What Are Insurance Car Quotes?
An insurance car quote is an estimated premium provided by an insurance company based on the information you give about your vehicle and driving history. It helps you know how much you’ll pay for car insurance and what’s included in your policy.
Quotes are not fixed—they may vary depending on the insurer, coverage options, location, and your personal risk profile.
Why Should You Get Multiple Car Insurance Quotes?
Getting multiple insurance car quotes before buying a policy can save you money and help you make a better decision. Here’s why:
- Compare Premiums Easily: See how much each insurer charges for similar coverage.
- Evaluate Coverage Options: Some may offer better features or add-ons.
- Find Hidden Discounts: Many insurers offer discounts for safe driving, bundled policies, or anti-theft devices.
- Avoid Overpaying: Without comparison, you might end up paying more for less coverage.
Factors That Affect Car Insurance Quotes
Insurance companies calculate premiums based on a range of risk factors, including:
| Factor | Impact on Quote |
|---|---|
| Vehicle Type & Model | Expensive or high-powered cars cost more to insure |
| Age of Car | Older vehicles may have lower premiums |
| Driver’s Age & Experience | Young or inexperienced drivers pay more |
| Location | Urban areas have higher accident/theft risk |
| Driving History | Accidents or traffic violations increase premiums |
| Coverage Type | Comprehensive is costlier than third-party only |
| Add-Ons Chosen | Additional coverage increases your quote |
Types of Car Insurance Quotes You Can Get
1. Third-Party Car Insurance Quotes
- Covers damage to third-party property, injury, or death
- Mandatory by law in most countries
- Cheapest type of quote
2. Comprehensive Car Insurance Quotes
- Covers third-party liabilities + your own vehicle’s damage
- Includes theft, fire, natural calamities, vandalism
- Higher premium but better protection
3. Zero Depreciation Quotes
- Ensures full claim settlement without deduction for depreciation
- Ideal for new or luxury cars
How to Get Insurance Car Quotes Online
Thanks to digital tools, getting quotes online is easy and quick. Here’s a step-by-step guide:
✅ Step 1: Visit an Aggregator or Insurer Website
Platforms like Policybazaar, Coverfox, or ACKO allow instant quote comparisons.
✅ Step 2: Enter Car Details
Include your car’s make, model, year, registration number, fuel type, and variant.
✅ Step 3: Fill in Personal Information
Provide your age, city, driving history, and contact details.
✅ Step 4: Choose Coverage Type
Select third-party, comprehensive, or any add-ons like zero depreciation or engine cover.
✅ Step 5: View and Compare Quotes
Get a list of customized insurance car quotes. Compare based on coverage, premium, and claim features.
Top Insurance Providers Offering Competitive Car Quotes
| Company | Special Features | Website |
|---|---|---|
| ICICI Lombard | Instant policy, 24/7 assistance | Visit Site |
| HDFC ERGO | High claim settlement ratio | Visit Site |
| Bajaj Allianz | Customizable IDV & add-ons | Visit Site |
| Digit Insurance | Low premium, paperless process | Visit Site |
| Tata AIG | 6500+ cashless garages | Visit Site |
Tips to Get the Best Insurance Car Quotes
✔ Compare At Least 3-5 Quotes
Never settle for the first quote you see.
✔ Opt for Higher Deductibles
Agreeing to pay a small part of the claim can reduce premiums.
✔ Use No Claim Bonus (NCB)
Get up to 50% off on premiums for claim-free years.
✔ Bundle Policies
If you have multiple vehicles or home insurance, bundle them to get multi-policy discounts.
✔ Avoid Unnecessary Add-Ons
Only choose the add-ons you truly need.
Insurance Car Quotes for New vs Used Cars
- New Cars: Higher premiums but eligible for zero depreciation and comprehensive plans.
- Used Cars: Lower premiums, but make sure the insurer accepts older vehicle models.
You may need vehicle inspection for very old or previously uninsured cars.
Instant vs Custom Quotes – What’s the Difference?
- Instant Quotes: Quick estimate based on general data. Great for initial comparison.
- Custom Quotes: Detailed and personalized based on full driver history, vehicle data, and coverage preference.
Always opt for custom quotes before finalizing the policy.
Common Mistakes When Getting Car Insurance Quotes
❌ Providing inaccurate vehicle or driver information
❌ Skipping policy terms and exclusions
❌ Ignoring add-on costs
❌ Not checking claim settlement process
❌ Focusing only on the cheapest quote
Conclusion
Finding the best insurance car quotes is about balancing price with protection. By comparing quotes from multiple insurers and customising your coverage, you not only save money but also ensure better protection on the road.
Don’t rush—spend time analysing quotes, add-ons, and company reputation before clicking the “Buy” button. A few extra minutes can save you thousands in the long run.
FAQs on Insurance Car Quotes
Q1. Are online insurance car quotes accurate?
Yes, if you provide correct details. Always verify with the insurer before buying.
Q2. Do car quotes differ by city?
Yes, cities with higher accident or theft rates may have higher premiums.
Q3. Can I get free car insurance quotes?
Absolutely. Most insurer and aggregator websites offer free quote comparisons.
Q4. Is it better to go with the cheapest quote?
Not always. Evaluate the company’s claim settlement ratio, add-ons, and coverage.
Q5. How often should I get new quotes?
Every time your policy is up for renewal or if your driving circumstances change.