Car insurance is something we all have to deal with, and every year you probably just renew your existing policy to save time and hassle. Did you know that you could save hundreds of pounds by conducting a car insurance comparison online? There are loads of websites around dedicated to comparing car insurance, try out comparethemarket.com or gocompare.com to find cheap quotes.
There are three levels of car insurance available: third party only; third party, fire & theft; and comprehensive. If price is the major factor in your decision, you could consider third party insurance but you should be aware that you will be missing out on important features. This is the most basic level of cover that you are required to hold by law, but will only cover damage sustained to the other driver’s car. It is usually more appropriate to take out third party insurance if your car is of a very low value.
The next level of cover is third party, fire & theft, and as the name suggests, this cover will cover you in the event of fire and theft as well as standard third party insurance. More often than not, it is recommended that you obtain a fully comprehensive car insurance quotation which can offer you full financial protection in the event of an accident.
When you are carrying out car insurance comparison, make sure that you are comparing like-for-like quotes or could end up paying out for the wrong type of cover. Most comparison sites will allow you to tailor your quotation online and see the relevant annual premium. If you are not happy with any features of the policy offered, you could always pick the top competitors and contact them individually.
You should expect to receive a more expensive quote if you have recently obtained your full UK driving licence; are under the age of 25; live in an urban area with high rates of crime; have a previous driving offence or criminal conviction; or if you drive a car in a high insurance category.
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