“Yeh insurance premium bhi na, dil toot jata hai jab bill aata hai!”

Like that gym membership you swear you’ll use, car insurance is a must-have… but nobody’s throwing a party for it. Good news? You can cut those premiums without pulling a Dhoom heist.  

Here’s a no-BS, masala-filled guide to save ₹₹ on your car insurance. No shor in the city, just practical tips with a side of Bollywood charm. 

1. Don’t Just Renew — Compare First 

“Dilwale dulhania le jayenge,” but blind loyalty to your insurer? Nah, bhai!  

Every company’s got its own tashan for calculating premiums. Same coverage, different price tags — ₹8,000 here, ₹11,000 there.  

Hack: Use online comparison tools. Check coverage, add-ons, and deductibles. Don’t just sign like it’s a Hum Aapke Hain Koun wedding contract.  

2. Raise That Deductible (If You Can Afford It) 

Deductible = the cash you pay before your insurer says, “Ab main sambhal lunga.” Higher deductible, lower premium.  

Example: Bump it from ₹5,000 to ₹10,000, and save a chunk yearly. Just make sure you’ve got that extra paisa in your dabba for emergencies.  

“Ek baar jo maine commitment kar di, uske baad toh main khud ki bhi nahi sunta!” — Keep that commitment to a higher deductible only if you can back it up. 

3. Bundle It, Baby 

Got health, home, or life insurance? Bundle them like a Golmaal squad. Insurers love multi-policy jodis and reward you with discounts.  

Ask: “Bhai, home insurance ke saath car insurance ka combo discount milega kya?” You’ll feel like you just cracked a Hera Pheri deal.  

4. Drive Less, Pay Less 

Work-from-home gang or weekend-only driver? Pay-As-You-Drive plans are your Baazigar. Less driving = less premium.  

Under 10,000 km/year? Check for PAYD or usage-based plans. “Yeh gaadi chalti kam hai, toh premium bhi thoda toh kam karo na!”  

5. Clean Driving = Clean Discount 

No speeding, no drunk driving, no Race 3-style stunts. A clean record is your ticket to savings.  

Been a bit Dabangg in the past? Take a defensive driving course — some insurers will cut your premium faster than a Bollywood fight scene.  

6. Dig for Discounts 

Discounts are like hidden Khazana — you just gotta ask!  

Common Discounts:  

• No-Claim Bonus (NCB): No claims? “Bhai, yeh toh jackpot hai!”  
• Anti-theft devices: Got one? Flaunt it.  
• Airbags & ABS: Safety features = savings.  
• Memberships: Alumni, clubs, or even your job might score you a deal.  
• Loyalty discounts: Stick around, and they might say, “Picture abhi baaki hai, dost!” 

Ask: “Aur koi discount banta hai kya?” Don’t be shy, bade bade deshon mein small savings add up!  

7. Buy a Car That’s Cheaper to Insure 

Flashy cars = Dilwale premiums. Frequently stolen or high-maintenance? Bas, bohot ho gaya.  

Go for a reliable, small-to-mid-sized car with solid safety ratings. Insurers love them like DDLJ loves trains. Your wallet will thank you too.  

8. Boost Your Credit Score 

“Yeh credit score bhi kya cheez hai?” In some places, a good score = lower risk = lower premium.  

Pay bills on time, keep credit card balances low, and check your report for errors. “Jab tak hai score, tab tak hai hope!”  

9. Cut Unnecessary Add-Ons 

Old car? Maybe skip the full zero-dep or fancy roadside assistance.  

Reassess add-ons like engine protection if your car’s seen better days. But don’t go full kanjoos — balance coverage and savings like a Chak De India coach.  

“Risk toh Spider-Man ko bhi lena padta hai!” — Keep what you need, ditch what you don’t.  

10. Review Your Policy Every Year 

Life changes faster than a Karan Arjun plot twist. New job? Moved cities? Driving less? Your policy should keep up.  

Before renewal, ask:  

• Driving less now?  
• Better offers out there?  
• New discounts? 

“Ek baar dekh liya, toh samajh liya!” Small tweaks = big savings.

Last Lap 

Car insurance doesn’t have to feel like a movie villain draining your bank account. With these smart moves, you’ll save paisa while keeping your ride protected.  

Because, bhai, saving money on premiums is way more thrilling than any Singham car chase!