HDFC Ergo Car Insurance Offices Andhra Pradesh - Check a list of Offices of HDFC Ergo Car Insurance in Andhra Pradesh with their contact person, mobile numbers, address, email id and fax numbers etc at AutoSpyders.com.

Nellore	Rajahmundry
Tirupati	Vijayawada
Visakhapatnam

What is Car Insurance?

Car Insurance Premium Calculator or Estimator - A car insurance calculator enables a person to compute the premium of a car as well as compare insurance quotes from different insurers. Different sets of customers have their own specific requirements and car insurance calculator helps them to evaluate and get the best policy as per their requirements.

Undeniably, car insurance premium calculator is a valuable tool that helps a buyer to get the best car insurance plan on the basis of his specifications. It allows you to make a comparison of different insurance plans on a click of the mouse. Simply put, car insurance calculator helps buyers to evaluate their insurance needs and get an appropriate plan accordingly.

Benefits of Car Insurance Calculator

Car Insurance Premium Calculator or Estimator - Using a car insurance premium calculator prior to buying a plan makes the overall process easy and convenient for the buyer Make a comparison of premium rates and choose the best insurance plan See for yourself how changing variables of coverage change your premium No need to take your decision in haste or under influence of the agents

How to Use Car Insurance Premium Calculator?

Car Insurance Premium Calculator or Estimator - The Car insurance premium calculator provides your with lots of variation in terms of premium rates as per their requirements. For calculating the exact car insurance premium, a customer needs to mention the specific details that include date of car registration, car details, car policy start date and other extra coverage details. It is just a matter of a few clicks through your mouse and you'll get what you want. Moreover, to find a good car policy, comparing two different insurance policies can be the right tool. By comparing premium rates of different insurance companies, one can easily find out the most beneficial insurance. Essentially, the more extensive the coverage, the higher your car insurance premium rates will be.

Premium Calculator for Used Cars - To calculate premium quotes for used cars, you need to give details, like car type, fuel type, registration number, existing car insurance policy details, change in car ownership details, if any and previous year claim reports. Premium calculator for used car allows buyers to get the best deal as per the requirements.

Premium Calculator for New Car - For calculating the premium value, you would need to fill details about the vehicle including vehicle manufacturer's name, vehicle model, year of manufacture, state of registration of Car, etc., with person's own details. Premium calculator for new car offers you the best deal by comparing all sets of facilities offered by different companies. It is a quick solution to the concerns of the customers.

Factor that Determine Car Insurance Premium Value

Age and Gender – Individual below 25 years of age are perceived by the insurance company to be more likely involved in accidents and hence individuals in the age bracket of 18 – 25 have to shell out a higher premium.

Car Make, Model and Variant – For obvious reasons, high end cars like Audi and Bentley are insured at a higher price than budget car like Alto and Santro. On similar grounds, SUVs are insured at a higher premium than a family car.

Place for which you Need the Insurance - Since the traffic density is higher in the urban areas, cars are insured at a slightly higher premium in the urban areas compared to the sub urban areas.

Fuel Type – Compared to a plain petrol/diesel car, you'll have to pay a higher premium for insuring a CNG fitted car.

Year of Manufacture - The older your car, the lesser is its Insured Declared Value (IDV) and the lesser the IDV, the lesser is the premium.

Discounts – There are certain professionals such as defense personnel, doctors, lawyers, and govt. employees are entitled to get an additional discount on their premium based on profiles.

Voluntary Access - Voluntary access is the minimum amount that you declare to bear at the time of claim. The higher deductible you opt for, the lower will be your premium.

Anti-theft Discount – You are entitled to get 2.5% off on the premium, if your car is fitted with an ARAI approved anti theft device.

No Claim Bonus – No Claim Bonus is offered to the insured for every claim free year. It is a cumulative discount and varies from 10% to 50%. NCB can be transferred to another car or policy.