Car insurance is a financial tool that protects you financially if your car sustains unanticipated damage or becomes liable to third parties. Your brand new car can be affected by various events, including fire, accidents, theft, and manufactured disasters. If any of these events occur, car insurance will keep your vehicle safe.
You have two options when purchasing motor insurance. Comprehensive or third-party. Third-party insurance will cover your legal liability if you cause third parties property damage, bodily injury, or death. Your insurer will pay compensation to the victim if your car accidentally hits a pedestrian.
On the other hand, comprehensive car insurance will protect your car from third-party liabilities and own damages. Your car’s damages are the damage that your car sustains from unforeseen events such as fire, natural catastrophes, theft, accidents, and manufactured calamities. Personal accident coverage is included in the comprehensive car insurance.
You can easily purchase insurance online for any car. Before you decide on the best car insurance for India, make sure to compare plans offered by different motor insurers online.
How to keep your car safe
Car insurance can help protect your vehicle from any unpredicted event. As you might have heard, prevention is better than treatment. You must avoid any situation that could lead to damage or loss to your vehicle.
First, be safe and responsible when driving your car. Many car accidents are caused by drunk driving and rash driving. Driving the car while on the phone or not following traffic rules can also lead to mishaps. How you drive your car will determine how safe it is for yourself and others on the road.
Although scratches can be avoided if you are a responsible driver, it is not your sole responsibility to maintain your car. To prolong your car’s life expectancy, it is equally important that you maintain and repair it. You are less likely to have any problems with a well-maintained vehicle. You can also identify any wear and tear on the vehicle quickly to prevent major problems.
You could also be subject to future rejections if you don’t service or maintain your car. Insurance companies expect car owners to keep their vehicles in good condition. If you don’t take care of your car, your claim under your comprehensive auto insurance policy could be rejected.
Ten Basic Tips for Car Owners First-Timers
To prolong the life of their car, every owner must know how to keep it in top condition. You may not be aware of what you need to do to maintain your car’s condition after purchasing it for the first time. These are 10 essential car maintenance tips every car owner must know.
1. Refer to the User Manual for Your Car
Each car comes with a user manual from the manufacturer. The manual serves as a guide for you and your car. The manual will help you understand your car’s specifications and safety features. You should read your vehicle’s manual immediately after you purchase it. Keep it with you at all times. If you lose the printed copy, you can find the manual online at your manufacturer’s website.
2. Regularly check your car’s tire pressure
Your car’s tires keep it moving. A problem with your car’s tire can cause your car to be stuck in the middle of the road. You should check your car’s tires regularly for low pressure. You should immediately refill the air to the recommended level if the pressure drops.
This will reduce wear and tear on the tires and keep them in great condition for longer periods. You should also check your tires for stuck objects and cracks so they can be repaired before any mishaps occur. Comprehensive car insurance will cover you to protect your car’s tires from any damage.
3. Be on the lookout for warning lights
Learn how to recognize various warning lights on your car’s dashboard after buying it. Many sensors built into cars can tell you if something is wrong. A warning light, for example, will indicate if your car’s fuel is running out. These warning lights are useful in identifying potential problems early and can help maintain your vehicle. To learn more about the warning lights, read the manual and fix the problem promptly to prevent any future mishaps.
4. Make sure your car engine is clean
If your car’s engine is not working properly, it will stop functioning. To ensure the smooth operation of your car’s engine, it is vital to maintain its cleanliness. It is costly to repair a car’s engines, and you don’t want to worry about your finances in the event of damage. To avoid engine damage, make sure you use clean fuel and clean it regularly. Watch out for oil leakage in your engine. This can cause serious problems and should be addressed immediately. Oil leaking with dust can also cause engine damage. Engine protector can be added to your comprehensive car insurance policy to protect against unexpected engine damage.
5. Clean the Car Battery Frequently
The battery must be in good condition for your car to run smoothly. To extend the life of your car’s battery, it is essential to clean it regularly. The user manual explains the basics and location of a car’s battery. It would be best first to disconnect the car battery’s terminal contacts. You can prevent any electrical mishaps by disconnecting the negative terminal first. Use a battery brush to clean the contacts and reconnect them to the battery.
6. Make sure to keep an eye on your brakes
Fluid Your car’s brakes need fluid to work smoothly. Your car’s brakes may stop working if there is not enough fluid. This can lead to a serious accident. The user manual will tell you how much brake fluid is required. You should also pay attention to the color of your brake fluid. A darker color indicates that you need to change the fluid.
7. Regularly change oil filters and lubricants
Lubricants are essential for the smooth operation of your car. The oil absorbs heat from friction and allows the car to run smoothly. The oil must be changed from time to time to become contaminated. Your car also comes with an oil filter which prevents oil contamination and keeps the oil clean. You must change your oil filter every other day to remove dirt and dust.
8. Watch out for a faulty spark plug
To start your car’s engine, you need a spark plug. If the spark plug is not working properly, your car may have difficulty starting. You should be aware of a faulty sparkplug when you use your car. It is also easy to spot a defective spark plug. A faulty spark plug can be identified if the engine does not start after you have inserted the key into the ignition several times. A faulty spark plug can also cause uneven acceleration and noises while the car is idling.
9. You can ensure a good mileage for your car
You can ensure your car gets good mileage by taking every step possible. Maintaining your car’s fuel economy and keeping it in good shape are two ways to do this. Avoid rash driving and speed fluctuations, as they can affect your mileage. It is also important to avoid carrying large items in your car, reducing the mileage.
The cabin air filter must be changed every 10 years to maintain clean air in the car. It also helps to cool your car. It is important to replace the air filter if your vehicle’s AC stops cooling properly. For more information on how to change your cabin air filter, refer to the manual.
You must maintain your car well if you want it to last. As a car owner, it is your responsibility to ensure that your vehicle is protected from any possible dangers by purchasing the best car insurance in India. To ensure your car is safe from any harm, you should follow the tips above.