FORD Car Insurance Premium Calculator
Have questions on insuring your Ford? Follow these three easy steps:
- Perform thorough research on understanding coverages offered by insurance carriers and decide what suits your needs.
- Look for added benefits like discounts offered by the insurance carriers
- Compare policies from multiple carriers.
Policy Bachat helps you get the best deals in car insurance for your Ford from some of the top car insurers in India. We strive to clarify and answer all doubts and queries regarding car insurance. Here are a few pointers that will help in your selection of car insurance.
How would you calculate the cost of insuring your Ford Car?
Choosing apt car insurance requires the need to optimize the value of your money being paid as a premium. This is only possible if you select the policy that gives you maximum coverage at the cheapest rate. Getting further discounts would be an added advantage.
Your requirements are unique and so should be your car insurance policy. It all depends on the make, model, and price of the car. Some customers need bumper to bumper coverage while some want coverage for only the major issues. The most befitting car insurance depends on the risks it covers, its IDV (Insured Declared Value), the monthly premium and deductibles that you can afford and discounts that you are eligible for. You need to carefully estimate the above factors to get the maximum coverage at minimum rates. Comparing car insurance online helps you make the right choice.
Coverages for Ford Car:
1. Roadside assistance:
Roadside assistance coverage is like carrying your own personal pit crew along with you on a drive. In case of a car breakdown in the middle of your journey, this helps you get assistance from the nearest network garage.
2. Cashless settlement at all network garages:
This coverage helps you in situations where your car needs immediate servicing but you are running short of money at the moment. You will get cashless repairing service if it is done from any of the network garages.
3. Engine protection coverage:
This covers any damage or leakage to the car engine due to an accident. However, this coverage is mostly applicable to new cars.
4. Third party liability coverage:
It gives you coverage for any damage caused to another vehicle and injury or death to another person due to a fault of yours.
5: Personal accident coverage(Driver and owner):
Personal accident coverage (driver and owner): This gives you financial coverage in case of any injury caused to the owner or driver.
Discounts on Ford car Insurance:
1. Professional Discount:
Certain professions have been distinguished by the insurance companies to receive some rebates on their car insurance. Such professionals are entitled to discounts of a certain percentage of their premium.
2. Safe Driver/ No Accident Discount:
Safe and careful driving can save you money. The insured gets a discount on the premium of the renewed policy for the following year if he has not committed any accidents during the term of the previous policy.
Get Multiple Quotes for your car insurance, compare and buy online:
Make a smart move. Compare premium quotes and check out the features of different policies. Get familiar with the different policies available, their coverages and the discounts you can avail.
The comparison is the key to saving money on car insurance. Policy Bachat helps you compare premium quotes from various car insurance companies and choose the policy that gives you optimal coverage at low cost.
Policy Bachat explains the unwritten rule for getting the perfect coverage:
To get the perfect insurance for your car, you first need to know the different classes of Ford cars and the coverage that is relevant for each of these classes.
- Luxury Cars (Midsize and Full size), eg. Ford Endeavour.
- Large Family Car, eg. Ford EcoSport, Ford Titanium classic.
- Mid-Size Car eg. Ford Fiesta, Ford Fiesta Classic, Ford Ikon 1.3.
- Small Family Car/ Compact: This mostly comprises of hatchbacks like Ford Figo.
Now we believe that anything above 15 Lakhs in car value may benefit from bumper to bumper coverage because even a small scratch can cost you thousands of rupees. In case of Ford cars, we have models like the Ford Endeavour that are over 15 Lakhs.
For mid-sized cars whose prices are average, you might want to get decent coverages so that any minor or major accidental damages are covered for full value. However, full coverages are not recommended for these.
For small family cars or compact cars like Figo, coverage should be taken based on your commute, the community you live in and the accident history in that area. Coverage for major damages only is sufficient and minor coverages can be ignored.