Crossover cars are fast becoming popular among car buyers. They offer the convenience of a hatchback and a few benefits of a full-fledged SUV. Read this post to know India’s best crossover cars and their insurance costs.
India’s sustained and robust economic growth over three decades has resulted in healthy income growth among a large section of the working population. Moreover, the rise in disposable income has resulted in more people owning a car.
But most Indian car buyers can be price sensitive and want total value for their money. Consequently, crossover cars are increasingly becoming popular in India as they can be suitable for car owners with different driving priorities.
But what are the best crossover cars in India, and how much do you need to purchase the car insurance policy for these cars? Let’s find out.
What Is Meant by a Crossover Car?
In India, three types of vehicles have been historically popular among car buyers- hatchbacks, sedans, and, more recently, Sports Utility Vehicles (SUVs). Crossover cars blend the characteristics of two types of cars to offer the best of both worlds.
A Crossover has a unibody construction like a hatchback or a sedan. This means the vehicle’s chassis and the frame are one piece of metal, unlike an SUV. However, a crossover car can offer a larger cabin space and enhanced driving posture compared to a traditional car. Consequently, a crossover car may look like a small-sized SUV but can be cheaper than a full-fledged SUV.
Top 3 Crossover Cars in India
Maruti Suzuki S-Cross
The Maruti Suzuki S-Cross is available in manual or automatic transmission. Powered by a 1248cc engine, the car has good fuel efficiency offering a mileage of 18.4- 18.6 KM/L.
The car insurance for a Maruti Suzuki S-Cross can cost you anywhere around ₹10,000 – ₹20,000 per year, depending on the type of insurance policy and car model you choose.
Maruti Suzuki Ignis
Available in both automatic and manual transmission, Ignis comes with a lively 1.2 L petrol engine. The 5-seater crossover car is stylish and has a high SUV-like stance.
A comprehensive car insurance policy for Maruti Suzuki Ignis can cost around ₹5,000 to more than ₹6,000 depending on the car model, insurer, and the optional insurance add-ons.
Tata Tiago’s petrol version comes with both manual and automatic transmissions. It also has a CNG version named Tiago iCNG. The car has a sporty exterior design which gives it a modern and stylish look.
With dual airbags, a rearview camera, Anti-lock Braking System (ABS), and Electronic Brake-force Distribution (EBD), Tata Tiago is one of the most safety-laden crossover vehicles in India. Like most crossover cars in its range, the car insurance price of Tata Tiago can begin from ₹12,000 per year.
You can reduce the cost of insuring your car by going for mandatory third-party insurance. However, third-party insurance only covers the damages to a third party involved in the accident with your insured car. The damages to your car are not covered.
Thus, it is advised to purchase comprehensive car insurance, which provides both third-party and own-damage cover. You can also consider buying some useful add-ons like engine protection, zero depreciation, etc., to increase the scope of your insurance.
As crossover cars are rising in popularity in India, many reputed car manufacturers are vying for the customers’ attention. While there are no clear-cut frontrunners in the crossover race, the average car buyer may be spoilt with more choices in years to come.