The main drawbacks of purchasing a car insurance policy from
your car dealer are described below. Remember that, in essence, such points are
common. Make an informed choice, it is recommended that you have a one-on-one
conversation with the car dealer.
No policy comparison: Nowadays, car insurance prices
can be easily compared online. After comparing, you get to know the best-priced
policy. You can find your ideal plan online by first reducing the cover you
want and then offering coverage at the best insurance prices by the insurer.
Through car dealers - You do not have the opportunity to compare
plans when purchasing car insurance from a car dealer. You have to proceed with
the things offered by the car dealer.
Rigidity: Most car dealers have a tie-up with an insurance company. This
makes them rigid. When it comes to choosing an insurer on your behalf, there is
no flexibility. You may have a preferred insurer, but the insurer suggested by
the car dealer will have to proceed because they will have a pre-arranged deal
when it comes to selling insurance policies for cars sold by the dealer.
Fixed Cover: In contrast and lack of flexibility, inclusions in your cover
are not selected. In the case of a four-wheeler insurance policy, car dealers
also provide a fixed cover. For example, the dealer may sell a comprehensive
plan with lots of additional features, but you will need a simple,
comprehensive plan. This way, you are going to pay a premium for a cover that
you do not need.
Specific Add-ons: A fixed cover problem is also extended to add-ons. You may not
be offered a full range of add-ons or may be offered specific add-ons regardless
of your need. That is a result of a lack of proper coverage.
Missing Digital-First Insurance: Going forward with insurance
offered by car dealers means you have missed out on the benefits of online car
insurance with digital-first insurers.
Here are the key points of buying car insurance online from
digital insurers:
- Select the
cover of your choice.
- To select
without being influenced by any third party.
- Low-priced
policies that do not affect coverage.
- Improved
service quotient.
- Hassle-free
claim settlement.
- No
paperwork.
- Quick policy
purchase (within two minutes).
- Analysis of
car insurance plans before buying online.
Conclusion: If you want to buy the
car insurance suggested by your car dealer, then spend some time analyzing your
car insurance needs and check if the dealers can meet them. If the dealer
cannot offer you insurance coverage as you wish, feel free to buy it online.
If you have already gone ahead and purchased a car dealer's
policy, at the time of policy renewal, you have the option to choose a
different plan. Don't forget to renew your car insurance policy promptly. An
expiry policy is inactive and an inactive policy has no meaning.
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