Compare Two Car Insurance Quotes — Like-for-Like
A cheaper premium means nothing if it hides a lower IDV or missing add-ons — that's not a discount, it's thinner cover. Enter both quotes exactly as printed and get an honest verdict, plus a check of whether either premium is fair for your car's price at all.
Quote A
Quote B
Fill IDV and premium for both quotes — the verdict appears here.
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Frequently Asked Questions
Why is the cheaper insurance quote sometimes the worse one?
The oldest trick in motor insurance: quote a lower IDV (Insured Declared Value). A ₹50,000 lower IDV shaves maybe ₹1,500 off the premium — but if the car is stolen or totaled, you receive ₹50,000 less. The second trick is dropping add-ons like zero depreciation. Two quotes are only comparable at the same IDV with the same add-on list.
What should a new car's IDV be?
About 95% of the ex-showroom price. IRDAI's depreciation schedule puts a car under 6 months old at 5% depreciation, so the first-year IDV is ex-showroom minus 5%. If a quote's IDV is under 90% of ex-showroom, it's understated — the insurer saves on claim liability while the premium merely looks competitive.
Which add-ons are actually worth taking?
Zero depreciation is the big one for the first 3–5 years — without it, claims deduct 30–50% depreciation on plastic and rubber parts. Engine protection matters in flood-prone cities (Mumbai, Chennai, Bengaluru basements). Return-to-invoice is cheap insurance against total loss in years 1–3. Consumables, RSA and PA covers are small money either way.
Do I have to buy insurance from the dealer?
No. Insurance is your choice by law — the dealer cannot make delivery conditional on their policy. Dealer-bundled quotes are usually 20–40% costlier than the same cover bought online or direct from an insurer, because the dealer earns commission. The practical route: get the dealer's quote, match its IDV and add-ons online, and either buy the cheaper one or use it to make the dealer match.
Is a lower premium with a higher NCB discount a red flag?
On a brand-new car there is no NCB (no-claim bonus) — it starts accruing only after your first claim-free year. If a new-car quote shows a large NCB discount, someone is misdeclaring, and the insurer can reject claims for it. On renewals, NCB is genuine and portable between insurers — always carry it with you.