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Car Insurance Rates

Apr 25, 2008
If you wish to legally be able to drive a car on the roads then you will have to face facts, car insurance is essential! Running a car is becoming more and more expensive so finding yourself a good car insurance rate has never been more important, no-one wants to have to pay more for something they could get cheaper elsewhere.

Throughout England, Scotland and Wales you will find hundreds of car insurance companies and online brokers offering you what may seem like a great rate, and trawling through all these and working out which is best for you can seem like an incredibly time consuming task with quotes and being so different between companies.

If you are searching for cheap car insurance rates it can quickly become overwhelming within, especially if you are looking online as there is such a wide range of choices but it is not always clear exactly what the terms, conditions and what is excluded are.

Getting a good car insurance rate can be as simple as fitting into one of the now specialist categories, which includes being a female driver. Even if you are a man you may find that you can put yourself on your female partner's policy to benefit from this too. If you do fall into this category then you can really keep the cost of your car insurance down.

The make and model of car that you own, and especially how powerful the engine is, is a major factor in determining the overall cost of your insurance. The majority of companies place the car into price brackets depending upon the power of the engine. So make sure that you can afford the insurance and not just the actual car.

When you come to look at car insurance rates more closely you will find three levels of cover available to you and which one you opt for is dependent on your circumstances and requirements. Third Party only covers against any damage occurring to a third party's vehicle or the third party.

If you are involved in an accident with other vehicles and this results in damage to the vehicle or results in injury to the occupants of that car, you will be covered under the terms of this policy for the repair of the vehicle and any medical care needed by the persons of the other car and passengers that are in your car other than yourself.

Third Party only policies will not however pay for any costs that occur for repairing your car or any medical expenses if you are injured as well. It is also worth noting that if your vehicle is stolen or if it is set on fire then a Third Party only policy will not cover you for this. If you wish to have more cover then this then Third Party Fire and Theft Car Insurance gives you the same cover as Third Party only; but will also pay out should in the event of fire or theft.

If you require more cover and have an expensive car you wish to protect then comprehensive policy will pay-out for third party damages and injuries, fire and theft and will also pay for any damage to your own vehicle regardless of whose fault it was.
About the Author
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 .
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