The Factors That Affect Car Insurance Quotes

There can be a big difference in the price of different car insurance quotes. The way the cost is worked out is down to many different factors, some of which you can control, some of which you can't. Here are a few that you can influence.

The three types of car insurance are Third Party, Third Party Fire and Theft, and fully comprehensive. Which one you select will have a large bearing on the price of car insurance quotes.

To legally drive in Britain, you must have at least third party cover. This type of car insurance deals with damage to other people's cars, and any passengers travelling in your car. This minimum coverage used to be the one that on average achieved the cheapest car insurance quotes, but this is no longer such an accurate rule of thumb.

Fully comprehensive policies can now sometimes be cheaper that third party cover, even though the fully comprehensive insurance protects against a greater range of damage. The reason for this is that it is often seen that third party cover means that you do not care much about protecting your car ? and so it is more likely that your car will be damaged.

However, there are no hard and fast rules about this ? you need to check out both kinds of cover when looking for car insurance quotes. The value of the car is often a moot point, with lower value cars typically most suited to third party cover.

Third party fire and theft does what it says on the tin by additionally covering the car against fire damage. Fully comprehensive cover includes damage to your car, even if it was your fault. Fully comprehensive cover also usually extends to driving hire cars, and typically gives you third party cover when driving other people's cars.

One of the major bonuses of fully comprehensive cover is that accidental damage that occurs when you are not there is included in the cover. This means that damage that occurs when you are parked and the person runs away will not leave you out of pocket. Fully comp is often the only option for more expensive cars.

There are many other measures that can take to reduce your car insurance quotes. Adjusting the way you describe your occupation is one, as part of the risk assessment is based on this. Taking a voluntary excess is another ? find out more with some research online.