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Difference Between Long Term Vs. Short Term Car Insurance



Hand Protecting Red Car

As a driver, you should be ready for unexpected surprises.

For Aditya, the year 2018 was turning out to be an exceptional year. He landed the job of his dreams, where he happened to met the love of his life. He also took possession of the car that had eluded him for all these years.

Indeed, life took a turn for the best for Aditya. What could possibly go wrong?

Well, something did go wrong. Riding home from work on the night of Dussehra, he was a little careless when when he tried to overtake a speeding truck, failing to see the roadblock ahead and driving into a barricade before he could do anything.

Thankfully, the car bore the brunt of the collision and he was spared any serious injury because of its seatbelt and airbags.

Dazed and confused, Aditya had the presence of mind to call his car insurance company for roadside assistance, and within 20 minutes, had his car towed to the nearest dealership for repair.

All of this was possible because he was responsible enough to choose a comprehensive car insurance plan with ‘Road Side Assistance’ add-on. Thanks to his insurance policy, all repair charges were covered, and within a couple of days, Aditya’s dream machine was as good as new.

Who knows what would have happened if Aditya hadn’t purchased the car insurance, or worse, if the insurance policy had lapsed after its period expired. This brings us to the topic at hand: should one go for long-term car insurance, or would short-term insurance would be enough?

If you have a long-term car insurance policy, you don’t need to worry about paying the premium again or renewing it after a year or so. On the other hand, having a short-term insurance plan allows you to modify your plan more efficiently.

To help you understand better, here are some key differences between the two types of car insurance policies.

Policy Renewal

Once you purchase a long-term insurance policy, you don’t have to renew the coverage annually. Instead, you only need to make a single renewal before the policy period expires. Therefore, long-term insurance is not only convenient, but it also saves your policy from lapsing. In case of short-term coverage, however, you are required to renew the plan on the day the policy term expires to avoid the risk of a lapsed policy.
Cost Effective

IRDAI generally hikes the third-party premium rates annually by a certain amount. Therefore, you might have to renew your insurance cover at an increased rate of premium after a year, in case of short-term insurance policies. On the contrary, a long-term policy saves you from the annual hikes in premium amounts as the premium rates are fixed at the time of starting the policy.


If we talk about long-term insurance policies from reputable insurers, there are a variety of add-ons available. In addition to a third-party liability cover and own damage (OD) discounts, these insurance plans offer add-ons such as zero depreciation, road-side assistance and engine protection. Also, you get features such as personal accident cover for driver and passengers, return to invoice cover and consumable cover.

Short-term insurance plans too offer these add-ons, except for the own damage discount, which is not considered at the time of policy issuance. Overall, both types of insurance covers provide several additional benefits and add-ons that help you enhance the coverage of the basic insurance policy.
In general, long-term car insurance plans are a better option amongst the two. Unlike short-term insurance policies, which must be renewed annually, buying long-term insurance allows you to avail coverage without the hassles of yearly renewals.

Moreover, in the United States, three-year third-party cover for cars is now mandatory in India. This makes buying long-term insurance the best choice for your car.

Before you proceed to purchase car insurance; you must compare the plans from different insurance providers and use a car insurance calculator to determine the premium amount. This way you would be able to choose a policy that offers the best possible combination of coverage benefits and premium rates.

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Keep The Police Off Your Back When Driving, Follow The Rules



Adult driving car

You should always obey the rules when on the road, except when you don’t. What then?

We tend to take many things in life for granted, and being able to jump in the car to trot off to wherever we want to go is definitely is one of them. But it’s important to understand that being able to get behind the wheel anytime you want is a privilege rather than an automatic right.

Unfortunately, it’s not uncommon for people to disobey the rules from time to time, often at the peril of their license. Heck, most of us have been in a rush to get somewhere, and it’s usually during these frantic times that we get pulled over by the police for speeding, nipping through the lights a little bit late, or getting involved in an accident caused by our haste.

Always remember that no matter your life circumstances, good driving and courtesy on the road are important for all. The rules weren’t meant to be broken.

Traffic Offences

Loss of Licence

The loss of your driving licence can be an inconvenience for some and an absolute tragedy for others, often potentially leading to loss of employment and the subsequent loss of income. If and when you are charged by the police with a serious traffic infringement, the wisest course of action will be to immediately get in contact with reputable traffic lawyers to get reliable information and get advice on your situation to mitigate any damages. For you to have the best chance of defending yourself and keeping penalties and suspensions to a minimum, starting work on your defence early is of vital importance.

Knowledge is Power

As mentioned, traffic law is incredibly detailed and complex, with very few lay people adequately able to fully understand its finer details. A legal professional, who specialises in traffic law and offences, will have taken the time to digest every aspect of it, and bringing that knowledge to bear on a case can have a very dramatic impact on the outcome.

Obviously the best preventative measure is to respect and obey the rules at all times, but being human means this is not always possible. Sometimes, we find ourselves with a problem because we reacted incorrectly to the actions of another motorist, or a child running out into the road unexpectedly.

Mitigation is a very important aspect of the defense of any case in court. If your licence is potentially in danger, ensuring a professional defense and full explanation of your personal circumstances may well be the difference between losing your licence, or staying behind the wheel.

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Easy DIY Car Maintenance: Changing Tires, Replacing Air Filters



Car Repair - man fixing old car

With some learning and a little bit of elbow grease, you can save hundreds of dollars every year by being your own mechanic.

We’re always looking for ways to stick within our budgets and save money, and maintaining our car is one of the major expenses month-to-month. Whether it’s paying for gas or routine maintenance, things can add up quickly.

The good news is that not everything requires a visit to your dealer. In this article, we cover two common maintenance procedures — changing tires and replacing air filters — that, with a little knowledge about your model of car, you can do yourself to cut expenses. We’d like to thank Apple Valley Hyundai (Winchester, VA) for helping us with the technical details.

Changing Tires

As a general skill, knowing how to change a tire is not only handy for emergencies, but it’s also keep your bank account fuller when putting on those winter tires or doing a tire rotation. All vehicles come with the necessary tools you need to accomplish this task, including a jack, lug wrench, and replacement tire. Wheel chocks, gloves, and a short piece of 2×4 wood are also good accessories to have on hand..

You can find instructions on how to change a tire in your owner’s manual and untold numbers of YouTube videos, but we’ll go through the steps here as well.

  1. First, park in a paved, flat area and engage the parking brake. Apply the wheel chocks to the pair of tires you won’t be working with.
  2. Next, remove the hubcap with the flat end of your lug wrench and loosen the lug nuts about a half of a turn. These tend to be well secured, so extra force is normal to break them free.
  3. Place the jack under the vehicle atop the scrap 2×4, right beneath the frame next to the tire you’re changing. Most vehicles’ frames have a specific spot designed to place your car jack. Your Owner’s Manual will illustrate this. Place the scrap wood under the jack and raise the car about six inches up from the ground.
  4. Then, remove the lug nuts and place them in a safe place while you remove the tire. Pull the tire off the lug bolts, then set the tire on its side so it doesn’t roll away.
  5. Lastly, mount the new tire on the wheel studs and spin the lug nuts on finger tight. and push until the lug bolts show through the rim, then tighten the lug nuts on by hand. After this, lower the car, tighten the lug nuts securely and replace the hub cap.
  6. Congratulate yourself if this is your first time!

Replacing Engine Air Filters

Air filters are connected to the engine’s intake manifold and prevent debris and dirt from entering your engine’s combustion chambers. They should be changed once every twelve months or every 12,000 miles — whichever comes first. Here’s a quick procedure.

  • Your owner’s manual details which model air filter you should buy, and they are available at any auto parts store.
  • Under your hood next to or atop your engine you’ll see a black plastic box attached to a sizeable rubber hose. Usually several metal clips usually secure the top, and it simply needs to be popped open to remove the old air filter. If you can’t find your airfilter, Google it.
  • Remove the old filter and install the new one. Snap the clips back into place and that’s it!

Doings these two simple car maintenance procedures yourself will undoubtedly help keep your car in a healthier shape while saving you some money. Let us know if you have any questions in the comments below.

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Best Christmas Gifts For The Driver In Your Life



Fast and Furious Car Lover

It doesn’t take a lot to warm the heart of the car lover in your life

Do you have an auto enthusiast in your life — you know, someone who drives not just for the sake of getting from point A to Point B or can’t stop thinking about their favorite classic or vintage car? If you answered “yes”, then there is no better time to get that individual an auto-themed gift for the holiday season.

While many people scramble to get loved ones the latest technology or fashionable clothing, you are in the position to be more creative and show appreciation for that car nut by getting him or her a car-related gift that speaks to their true passion.

DMV Registration

Although it might not be the most glamorous present, the reality is that going through the Department of Motor Vehicles (DMV) costs money, no matter where you live. It is true that the cost of registering a new car, registering a new (used) car, or renewing a license for an existing car don’t always cost the same. Nevertheless, these fees can still chip away at an individual’s bank account. So if you’re in the position of needing a gift for an auto enthusiast this holiday season, offer to foot the cost of a car registration or license renewal.

Your gift recipient will appreciate the offer, as it saves him or her the time and aggravation of going through an often tedious car registration process. In the end, he or she will be able to keep driving an old car without having to worry about re-registering, or your gift recipient can just get in a new car and go without having to worry about paperwork.

Car Registration

Is your car lover the impatient kind? If so, handling their car registration could go a long way to warm their hearts. It takes time, money, and admittedly patience to successfully go through the process of registering a vehicle, so having someone do the dirty work for you ca make life much simpler.

This holiday, instead of having your loved one stand in line for hours at the DMV, take care of the cost and burden of registering by pre-registering that individual’s car as a gift. Trust us, your efforts will be greatly appreciated.

Car Accessories

Of course, in addition to buying DMV-related items for the car lover on your list, you might also want to treat him or her to something more fun, which can range from something generic like a car phone charging cable, to custom floor mats for that special vehicle in their life.

You could also consider signature badges and labels to make sure everyone knows what kind of car your gift recipient is driving, as well as gift certificates for custom parts, detailing, and car washes.

The holiday season can be stressful if you’re not sure what to get someone, but if you have a general idea of that person’s passions and interests, the task becomes much easier. For an auto enthusiast or even a new teen driver, giving the gift of car registration and car accessories goes a long way in helping them hit the road in the new year.

So, what are you getting your driver this holiday?

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