India’s compact crossover SUV market has seen exponential growth over the last decade. These vehicles combine the power of SUVs with the agility of hatchbacks and create a handsome-looking, powerful, and spacious four-wheeler that can run efficiently in city traffic and rural roads. The Maruti Suzuki Vitara Brezza is one of India’s most popular crossover SUVs. If you are thinking of buying the Vitara Brezza, then you also need to think about what kind of 4-wheeler insurance you would want for it.
A comprehensive Maruti Suzuki Vitara Brezza insurance policy is highly popular among owners since it offers complete protection. It includes third-party liability coverage and protection from damages to your car due to accidents, collisions, natural disasters, theft, fires, and man-made disasters. Before you buy insurance for Vitara Brezza, make sure that you look at different insurers and plans. You can use the free online calculator to calculate car insurance premiums based on the features and add-on covers you need. In this article, we will talk about the best way to buy a Brezza car insurance policy.
About Maruti Suzuki Vitara Brezza
Being a crossover SUV, the Maruti Vitara Brezza is designed for a country with a diverse landscape like India. It offers easy navigation in city traffic and powerful performance during long drives and in off-road conditions. A head-turner, the Vitara Brezza is handsome on the outside and spacious and utilitarian on the inside.
It is available in nine different colours – Brave Khaki, Brave Khaki with Pearl Arctic White, Exuberant Blue, Magma Grey, Pearl Arctic White, Sizzling Red, Sizzling Red with Midnight Black Roof, Splendid Silver, and Splendid Silver with Midnight Black Roof. You can buy a Maruti Suzuki Vitara Brezza in the price range of ₹7.8 to ₹11.5 lakhs.
Do You Need Car Insurance for Vitara Brezza?
Maruti pays a lot of attention to the safety features of its cars. The Vitara Brezza has a robust build quality, airbags, central locking, an anti-braking system with electronic brake-force distribution, and child seat mounts to ensure the safety of the passengers.
While these features can keep you safe during a mishap, there is always a possibility of your car getting damaged or causing damage to a third-party person or property. If your car is at fault, you must pay for the damages. Depending on the severity of the damage, these costs could be high. With a Brezza car insurance policy, you can be assured of the fact that the insurer will take care of the financial aspects of all such liabilities.
Insurance Cost for Brezza
Suppose you are buying a third-party liability-only car insurance plan. In that case, the Insurance Regulatory and Development Authority of India (IRDAI) determines the price of the policy based on the engine capacity of the vehicle. However, if you opt for a comprehensive plan, the insurer offers a quote for car insurance based on the type of policy you choose and the add-on features, deductibles, and other aspects. But, how does the insurer calculate the insurance cost?
Here are some important factors that impact the premium of your car insurance policy:
- Make and model of the car
- Age of the car
- The geographical location of the car
- Add-on covers selected by you
- The agreed amount of voluntary deductible and its impact on the premium
- No Claim Bonus discount if applicable
Make sure you accept a quote from multiple insurers before making up your mind.
The Best Way to Buy car Insurance for Maruti Suzuki Vitara Brezza
You can buy a four-wheeler insurance policy in two ways:
- Offline – by visiting the office/branch of the insurer or an insurance agent
- Online – by visiting the website of the insurer
Of these, buying car insurance online is gaining popularity since it allows you to compare providers and plans with ease and choose the features of the policy based on your budget and requirements.
The Motor Vehicles Act has made it mandatory for all cars to have a third-party liability cover. However, third-party car insurance plans do not cover damages to the insured car. Hence, many car owners opt for a comprehensive plan instead that includes third-party and own damage cover. Also, when you buy car insurance online, you can expect a better deal and explore your options in detail before signing the dotted line.