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The varied rate of IDV’s reflects different rates of premiums. Lara can’t order them to increase coverage limits unless their rates are adequate. Hence, the coverage may not suffice your requirements. Hence, compare the IDV quotes offered by different car insurance plans is a must. With the online purchase of car insurance, you can easily compare the plans offered by different companies. Get quotes from several different auto insurance companies and compare them to make sure you’re getting the best deal for you. In the event that you get involved in an auto accident, it is important not to panic since it could just worsen the present situation. While renewing your policy online, you can avail the NCB and get a discount on the premium. Moreover, the premium amount of your car insurance is decided based on the Insured Declared Value or IDV of the vehicle. Deductibles certainly reduce the premium amount.