Hi Deepti : Interesting article on Motor Insurance Premium. You are right, since Detarrif, it has become a BUYER'S market. A great news for Indian Car customers. However, it is important to high-light that if a customer opts to take the policy from a dealer then S/he will not get Premium or Product Options. Car Dealers job is to sell a Car and not Insurance. However, most of them have an agency relationship with an Insurance Company, who may discount to push a car sales with Insurance. But remember, there is never a free lunch. The customer may end up paying higher indirectly for his Finance (EMI) or Car Accessories. Thus, it is always good to take Insurance from a dedicated Insurance Broker / Professionals. Fortunately, shopping for a choice Motor Insurance Policy for an Indian customer has become very easy now. S/he could Compare and Buy any Insurance Plans at http://www.InsuranceMall.in - India's first Online Insurance Portal. Thanks, Manish Jaiswal CEO - Bonsai Insurance Broking www.InsuranceMall.in