Your circumstances go a long way to setting the cost of your insurance, factors that are taken into account include your age, sex, the type and size of car that you drive and how safe your car is. Of course the type of car insurance you choose to take out will also go a long way to determining the cost of your insurance. You will have to decide which type of insurance would be the most suitable before beginning your car insurance search for cover.
The three different types of car insurance include third party fire and theft, third party only and fully comprehensive. Fully comprehensive is the dearest type of car insurance, third party only is the cheapest and third party fire and theft comes in the middle.
Fully comprehensive covers you and your car for the most possibilities. It would payout to cover the cost of repairs for damage to your car and the third parties car if an accident should occur, regardless of whose fault the accident was. It would also cover any medical costs that should arise from an accident to either party. It would also guard against your car being stolen or if it was to be damaged as a result of fire.
Third party fire and theft would payout for damages sustained to the third parties vehicle in an accident and also for medical costs that occur as a result of an accident. However it would not cover the costs of repair to your own car or for your medical costs. It would also payout if your car should be stolen or damaged due to fire.
Third party only is the cheapest type of car insurance but would only cover the third parties repairs and medical costs if there should be an accident. You would receive no help towards the cost of repairs to your own.
There are many ways that you can help yourself when it comes to keeping the cost down of your car insurance. There are many factors you should consider before beginning your car insurance search. You should do everything you can to make your car as safe as possible, installing such as immobilizers, steering wheel locks and a tracking device all go towards lowering your insurance.
The type of car you choose should also be given some thought. A car with a bigger engine will cost more to insurance than a smaller model. Thought should also be given to taking advanced driving lesson if you are a younger driver and tailoring your search with a specialist who insurers younger drivers. Once you have made your car insurance search with a specialist website you should then go over the quotes to find that each consists of. One quote for example could include basic breakdown cover for just a little more than another quote.
Jason Hulott is Business Development Director of Protection Insurance, an internet based insurance business dedicated to getting consumers the best rates and the best products. Visit us for Low Cost Car Insurance.
