Understanding Car Insurance

Before you apply for any car insurance, it is important that you understand exactly what it is. By making sure that you understand the different factors which affect motor insurance, it will help you to make a better decision regarding which policy you choose to sign up for.

What should you know about Car Insurance?

The most important thing that you should know about car insurance is that no two policies are ever the same. So do not assume that any policy will suit you because this couldn't be further from the truth! In order to get the best insurance to suit you, you will first need to know what it is that you are looking for. You need to think about the following factors:

* Who will be driving the vehicle?

* Are you looking for specific insurance such as female only?

* Would you like theft insurance as well as accident insurance?

* Would you like breakdown cover?

Many people who are new to car insurance automatically think that breakdown cover and theft insurance come with all policies. Unfortunately that is not always the case and you have to read the small print of all policies just to be sure that you are getting exactly what you need. It is likely that you will have to pay extra for breakdown cover and theft insurance, but some brokers do offer free cover; you just have to look closely to see which policies are better suited to you.

Who will be driving the car will also make a difference as to which policy you choose. If there is only one driver then the insurance is easy enough to understand. However if there is to be more than one driver then this will need to be noted and you will need a policy which covers more than one driver. Third person insurance may be needed so it is important to establish this before you use a specialist insurance broker.

You should also think about whether you want to take advantage of any car insurance deals. If you are a female driver then you could benefit from a lower quote. Or if you have been driving for quite some time and you have never claimed on your insurance then that could also get you a better deal. By having a good idea of the different deals available you will then be able to take advantage of the best insurance policy to suit you. You really do need to take the time to familiarise yourself with different insurance policies. There are a lot of different factors that will affect the quotes that you receive. It is impossible to be provided with the best quote to suit your needs when you don't even know what your needs are and what policies are available.

Overall if you are searching for car insurance then it is always better to understand all of your options. That way you will end up with the best deals to suit you and you will not be paying more than you should further on down the line!

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance.