How to Conduct Effective Car Insurance Research in Under 60 Minutes

How do Car Drivers Research for Car Insurance?

Indian car owners typically evaluate:

• Premiums and IDV (Insured Declared Value)
• Policy types—Third-Party Liability Insurance, Own Damage Insurance or Comprehensive Car Insurance
• Claim Settlement Ratio (CSR) for reliability
• Optional add-ons like Engine Protect, Zero Depreciation, and Roadside Assistance
   

Where do Drivers Buy Car Insurance?

IRDAI data for FY 2023–24 shows the key distribution split for non-life insurance (which includes Car Insurance):

• Individual Agents – 30%
• Brokers – 29%
• Corporate Agents – 12%
• Direct Sales – 28%
• Others – 1%

This indicates that Indian consumers are increasingly favouring digital platforms and aggregators as part of their Car Insurance buying process.
 

How to Research Online When Buying Car Insurance?

Researching Car Insurance online can be completed in less than an hour with this approach:

Minutes 0–10: Assess your insurance requirements

• Determine the age and condition of your vehicle.
• Evaluate your driving frequency—daily commute, occasional use or long-distance travel.
• Identify your primary driving zones—urban, highway or rural.

Minutes 10–30: Conduct comparisons on aggregator platforms

• Use reputable online platforms to compare insurance providers.
• Shortlist at least four to five insurers based on pricing and coverage.
• Compare key elements like IDV, policy features, claim processes and optional add-ons.

Minutes 30–45: Verify details on insurer websites

• Visit the official websites of the shortlisted insurers.
• Review claim settlement procedures, customer service channels and digital tools to ensure seamless operations.
• Confirm network garage availability and CSR (Claim Settlement Ratio) performance.

Minutes 45–55: Examine policy documentation

• Read the policy wordings to understand coverage, exclusions, deductibles, and conditions.
• Evaluate the relevance of add-ons such as Zero Depreciation, Roadside Assistance and Engine Protection.

Minutes 55–60: Finalise and purchase the policy

• Select the plan that best suits your needs and budget.
• Complete the purchase through the insurer's official website or a licensed aggregator.
• Ensure secure storage of your digital and physical policy copies.
   

How to Research with Search Engines for Buying Car Insurance

When using search engines:

• Use specific terms like “motor insurance CSR 2025 India”.
• Explore FAQs and "People also ask" results for quick answers.
• Always go to insurer websites and the IRDAI portal for official data.
• Avoid relying solely on paid ads—cross-check with regulatory and brand sources to ensure accuracy.
   

Role of Brand Names When Researching via Search Engines

Familiar brands play a powerful role in the Car Insurance research phase:

• Trusted insurers like Shriram General Insurance are often top of mind.
• They provide improved online infrastructure, faster claims processing and higher service consistency.
• Search reviews, claim performance and support quality to validate your choice.
   

Summing Up

You don’t need a whole day to find the right Car Insurance. With a smart, structured approach, the Car Insurance research phase can be completed confidently in under 60 minutes. Here’s a quick recap:

1. Set your needs.
2. Compare via aggregator.
3. Check CSR and website info.
4. Read policy fine print.
5. Make an informed decision.

If you're looking for an insurer that values your time as much as your trust, Shriram Car Insurance delivers. From a fully digital purchase journey to an extensive garage network and responsive claim support, every aspect is built around simplicity, speed and service. With competitive premiums and flexible add-ons, it's insurance that’s tailored to your real driving needs—no guesswork, no jargon.

Make your 60-minute research count. Choose clarity. Choose confidence. Choose Shriram.
 

FAQs

1. What is the most important thing to check when researching Car Insurance?

The claim settlement ratio. A CSR above 95% indicates high claim reliability. You can verify this on the IRDAI website.

 

2. Can I rely only on aggregator websites for policy comparisons?

They’re great for comparisons, but always verify exclusions, IDV and terms on the insurer’s official site before buying.

 

3. How do I know if an insurer is IRDAI-registered?

Visit the IRDAI website and check the list of registered general insurers.

 

4. What kind of coverage should a first-time car buyer consider?

Choose a comprehensive policy with useful add-ons like Zero Depreciation and Engine Protection, especially for new cars.

 

5. How much time should I realistically spend on the research phase?

With a focused approach, you can complete your Car Insurance research phase in under 60 minutes.