4 Wheeler Insurance

Comprehensive insurance is the best as it covers both own damages and third-party liabilities.
New car insurance is expensive because the vehicle's value (IDV) is highest when new.
You can lower the premium by opting for a higher deductible, installing security devices, and avoiding unnecessary add-ons.
You can skip it if you already have a PA cover under another motor policy; otherwise, it's mandatory.
Yes, both are the same, but online policies are more convenient and often cheaper.