How to Shop for Car Insurance

The Benefits of Online Car Insurance

One of the most annoying things for any driver is the time it comes to sort out your insurance. Not only do you have to make sure that you’re getting the best deal, but you also need to make sure that it’s the right deal for you. Your age, your gender or even something like your marital status can make all the difference too, when it comes to cost and type of cover.

Thankfully, getting your auto insurance online takes away most of the stress for you, as you can find and compare a whole host of companies, side by side, at the touch of a button. This is especially helpful if you need more specialised insurance cover, if you’re a young driver or woman driver for instance.

Typical Classes of Insurance

Whenever you look for any type of car insurance, there are two immediate types that stand out, which everyone has heard of fully comprehensive, and third party fire and theft.

Fully comprehensive is exactly that, and covers both you and any other driver that you may be involved in an accident with. For instance, if you’re driving up to some traffic lights and you accidentally drive straight into a waiting car in front of you, not only will fully comprehensive pay for the damage to your car, but also the other car too.

Third party fire and theft, on the other hand, is a far different kettle of fish. This is where it will only cover you for any claims made by the other person, should their car be damaged. Any damage to your car will have to come out of your own pocket. You will be covered if your car is stolen, or is damaged by fire, but that’s about it (there is also a third party only option, which loses the fire and theft cover).

Specialist Insurance Cover

Although the two main types of insurance will cover most people mentioned above, there will be times when more specialist cover is needed. This is usually for high-end sports cars, young drivers, and female driver only policies, all of which offer more in-depth cover for these groups:

Sports or performance cars. Even though fully comprehensive will cover your vehicle, you’ll want to make use of the extra benefits you can get for sports or specialised insurance cover. This is where getting your insurance online is such a good option, as there is more choice than simply accepting what a broker may tell you.
Young driver insurance. Depending where you are in the world, if you’re a newly qualified driver and usually under the age of 25, you can expect to be hit heavily when it comes to insuring your car. However, there are hundreds of online insurance companies who can help you get the best deal.
Lady driver insurance. Since insurance companies see lady drivers as less of a risk to cover than males, they can offer dedicated lady driver insurance that can save you as much as 30% off your premium.

There are a whole host of other types of insurance, such as classic car insurance; elderly drivers insurance; and even special rates for married couples. If you’re looking to find the best cover for you, your best approach is to get comfortable at your computer and simply use a search engine like Google to find what you need.