When buying car insurance, many people fall into the trap of choosing the cheapest premium. But cheap doesn’t always mean better—especially when it comes to protection during an emergency. Here’s a quick guide to help you avoid the most common insurance mistakes and ensure your policy actually helps when it matters.

1. Ignoring Claim Settlement Ratio

Before choosing an insurer, always check their claim settlement ratio. A low premium means nothing if your insurer doesn’t pay when you raise a claim. The whole point of insurance is financial support during a crisis, so prioritize companies with a high and consistent settlement record.

2. Skipping Important Add-ons

Car owners often miss adding critical coverage. Two of the most commonly denied claims are:

• Animal attack or rodent damage (yes, rat bites are more common than you think!)

• Engine damage due to floods – If you live in a flood-prone city, always add engine protector cover.

3. Not Opting for Bumper-to-Bumper Insurance

A regular comprehensive plan doesn’t cover full repair costs. Opting for a bumper-to-bumper (zero depreciation) policy ensures maximum claim value and saves you big bucks in the long run.

4. Buying Insurance Online Without Guidance

While online insurance seems quick and easy, it can be a hassle during claim settlement. Many users report delays and frustration dealing with customer care bots. Buying through a trusted insurance agent often helps speed up claims and solve issues faster, thanks to direct human interaction.

Pro Tips Before Buying Insurance:

• Don’t fall for low premiums blindly

• Read the policy document carefully

• Compare features, not just price

• Ask questions before finalizing

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