If you are planning to be one of the more than 4.8 million car owners in India, then the first thing you should know is that before you will be able to register your car for use, you have to have Auto Insurance Coverage.

Now, contrary to what many may believe, auto insurance is not generic, or the same for all types of vehicles. Different vehicles warrant different types of insurance from the many possible providers. Generally there is the usual Car Insurance, Two-Wheeler Insurance for motorcycles which a common mode of transportation in the country, and Commercial Vehicle Insurance for vehicles that are intended for business purposes.

Before you head out and get yourself enrolled in an insurance scheme however, it may be wise to do a little shopping around for which type you need, and from which provider to get it from.

We have listed some useful tips that may help you in your hunt for the prefect Auto Insurance Policy.

1. Decide on which car you want to buy, or if you already have the car, do some research on how much it would cost to insure your car based on make and model. Some companies charge more for certain types of cars, although since they are all in competition with one another, it is quite easy to find companies that will offer lower premiums than others. This is a marketing strategy that you should take full advantage of.

2. Remember to always ask which claims are deductible. These are the claims that you have pay out of your own pocket when something happens, and the Insuring party reimburses you for these expenses afterwords when the claim process is done. Always go for the company that gives the highest deductible value.

3. Do not be afraid to ask for discounts. If you own a car that has some added features, then you might be entitled to a certain amount of discount. Some companies even offer discounts if you agree to insure more than just your vehicle with them.

4. You may think you'll probable save more by going with a small Insurance company, but before you make your final decision, find out if they are a stable company that will be reliable enough to come through for you when the time comes for them to deliver. In any case, it is advisable to always try and secure vehicle insurance from a reputable firm.

5. Finding an Insurance company that is less expensive than others is one thing, but knowing how fast they can assist you in times of trouble is another. Always ask how swiftly they can process claims, and how long it would take to reimburse deductibles. Remember, value is multiplied when you are lucky enough to find a company that is both responsive and responsible.

6. Sign up only when you are comfortable that you are getting your money's worth, and that you are secured should anything untoward happen. People in general are intuitive and know when they have a sound deal in front of them. Never sign up if you are not convinced of the companys reputation and reliability.

Always consider vehicle insurance as an investment. It is unwise to take this matter lightly, as it may lead to serious ramifications in the long run. It is better to start out safe and secure than to end up at the losing end if anything goes wrong.

California state law requires all motorist owners to carry a minimum of a 15/30/5 liability policy. If you do not posses such policy, you must be able to show financial responsibility ability by providing proof of one of the following:

1. A cash deposit no less then $35,000 to the DMV 2. A certificate of self insurance that has been issued by the Department of Motor Vehicles to a fleet owner 3. A security bond of $35,000 purchased from a licensed company in California.

However, $35,000 is no chump change for the average person to be able to just drop down on the table to cover any of these requirements which makes it necessary to purchase auto policy thorough and licensed agency in California.

Shopping for auto insurance can be a grueling task if done by phone or in person. A smart shopper does not just go for the first quote given. The best way to obtain policy of any form is via the internet. Shopping for California auto indemnity online has taken the footwork and endless hours on the phone out of the equation of shopping for auto policy.

Today there are more companies then ever before competing for your business. By utilizing traditional method of visiting agent offices, home visits, and endless phone calls has been simplified through websites. By using broker sites not only do you free up your time for other pressing matters in life you have a multitude of insurance companies at your fingertips all offering free quotes competing for your policy.

The same highly values companies you would spend hours on the phone with are right at your fingertips within minutes giving you free quotes. Not only does this save you valuable time it also saves you money. When shopping for auto cover in the traditional manner, often individuals just succumb to any offered quote thinking that it is going to be the same no matter where they go. The reality is that the quotes can often vary as much as 50%. By shopping for California auto insurance online, you see these savings within minutes from the very same companies you would have spent hours with on the phone.

Regardless if you are shopping for California auto insurance for a new policy or a rate comparison shop wise and check into one of these reliable and highly great reputable websites that can not only get you the best deals, but also home owners, renters, boat, motorcycle, health and death as well as a multitude of other needs.