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Car insurance is basically an agreement where an insurer gives financial security against damage, accidents, and third-party liabilities in exchange for a premium.
Yes, car insurance is very important. At least third-party insurance is needed by law to legally drive on public roads.
Majorly, premiums depend on type of car, age, history, coverage type, and available discounts such as No Claim Bonus or any other.
The premiums can be cut down by maintaining a claim-free record, selecting higher deductibles, comparing policies, and avoiding not-so-necessary add-on options.
