The Cheapest Car Insurance? How to Find it and Save Money

where is car insurance cheapest

Finding the best place to get car insurance quotes can be quite a tricky process. Not all insurance providers are the same, some may offer cheaper rates than others. What’s more, they may only offer certain services or have restrictions on certain aspects of the policy, so it can be difficult to know where is the cheapest place to buy insurance. To help with this problem, we have put together a short guide to finding which insurance provider is cheapest for you. With the help of this information you should easily be able to find a good deal that suits you and your needs. Here’s what to look out for when shopping around.

* Price – As we’ve mentioned before, the cheapest way to get car insurance is to choose a comprehensive policy that offers cover for theft, damage to another person’s car and third party liability. Over twenty different insurers in just one area so you won’t go outside without fully covering your car. Third party liability, Polish’OC’is probably the most popular (basic) form of coverage and is required by law in Poland. Other forms of coverage you should consider include uninsured motorists, fire protection and excess cover (commonly known as a “barrister” in the UK).

* Types Of Cover – Comprehensive cover offers a lot of different types of cover, but usually at similar prices so it’s difficult to make a general conclusion on how “cheap” your premiums should be. Comprehensive is usually the dearest type of coverage. If you only require basic roadside assistance this may be the cheapest place to buy the policy.

* Additional Options – If you need specific features on your cover then you should consider whether they are available at extra cost. The most obvious options are to take out liability only, fire and theft, or fully comprehensive. It’s worth asking whether your chosen insurers actually offer any of these options. Some insurers do have additional extras like “fault” protection for a low monthly premium but this may be of little use if you have an accident.

* Liability Only – A very popular choice but there are pitfalls. Liability only covers you for damage to another person’s car or their property. You will not cover any damage to your own – only that of the other party. This can open you up to several legal problems in the event of a collision. For example, you might be careless and hit a car that has already pulled a car behind you and is running at speed. You might then find that you are responsible for the costs of the other persons damaged car.

* Theft Protection – Although this sounds great it does have one or two disadvantages. First, if your vehicle is stolen – as happened in the vast majority of cases – you are unable to make any recoupments. So you might have to buy a new one! Another problem is that most policies don’t cover “stolen” damages.

* Comprehensive – This is usually the best policy for drivers over 25 years old. This provides you with complete coverage for both personal injuries and damages to your own vehicle. It can be quite a bit more expensive than liability only but if you want complete peace of mind and don’t mind paying a bit more then it might be the best option for you. Of course, there are drawbacks. Most policies do not cover “damages” which are caused by an act which is totally malicious such as vandalism or theft.

In conclusion, the cheapest policy is not necessarily the best policy. It depends what you’re looking for. If you only need minimal coverage then one of the alternative types of cover may suit you. If you need comprehensive car insurance that provides cover for all sorts of eventualities then you might consider paying a bit extra for this type of cover.