It is a fact that if you drive a car then you have to have car insurance. It is a legal requirement, which is why many of us look for different car insurance quotes every year around renewal time. However, you would not believe how many people have not examined all of their options and do not know exactly what is covered on their car insurance policies.

There are car insurance quotes available to you that represent three types of policy. They are third party, fully comprehensive and third party fire and theft. Every single insurer offers all three so you can tap into whatever option you like. However, before you do there are certain things that you must know about the coverage they will provide you with.

Third party car insurance is the loosest insurance type out there because it literally covers you for the damage or injury that is caused by you to another car or person. Although it does cover your passengers, it does not cover you or your car in the event of an accident or theft. You can still claim for your car from someone else?s insurance if they are responsible but not your own.

Third party fire and theft can be considered as third party insurance with a few extras. It will also cover you if your car catches fire or if it is stolen but again will not cover your car if you are involved in an accident.

Fully comprehensive car insurance quotes cover the most elements out of the three. It covers accidental damage, damage to your car, personal accident benefit, your medical expenses, personal possessions damage and all of the same elements as third party fire and theft. That is why it is called comprehensive insurance.

You have the choice of the three types of insurance when it comes to getting car insurance quotes, but the type you choose will definitely affect the amount that you will have to pay. In some cases, the amount that you are willing to pay or can afford will affect the type of insurance you have.

Fully comprehensive insurance is the preferred option because you never know what may happen but it is by far the most expensive. So much so that it an actually be prices out of your range. Take Mrs Cooper for example. The car insurance quotes for her Vauxhall Corsa offered a 173 pounds difference between the cheapest third party policy and the cheapest comprehensive policy.

173 pounds is not a sum to be sniffed at. In fact, that much can easily be the difference between affordable and too expensive. Even if you know what type you want, keep an open mind because one may suit you better than another for any number of reasons.(by:3x24.com)