Whether you like it or not you have to obtain some sort of car insurance before you think about stepping into a vehicle. The very least amount of cover you have to have is third party; this covers only any third party and their vehicle in the event of an accident which is your fault.
The next level of cover you can obtain for your car is third party fire and theft; this is pretty much what it sounds like. Third party fire and theft covers your vehicle the same as the first option as well as your car if it is stolen or damaged whilst being stolen or by fire.
The third main type of cover and most popular type is fully comprehensive; this is the ultimate cover and covers most situations. Fully comprehensive cover will payout regardless of who is to blame for any damaged caused due to an accident and will also cover your car if it is accidentally damaged.
When more cover is provided by a policy it normally means that the price of the premium increases, third party is relatively cheap and fully comprehensive is the most expensive type of cover.
The price of your premiums is decided on how likely you are to make a claim whether it be from being stolen or being involved in an accident. Reducing the odds of these will reduce the amount you pay for your car insurance. These steps include parking on a drive or in a garage, installing alarms, not modifying your car and even buying a car with a smaller engine.
By: Barry Loughran