There is no getting around the fact that all drivers have to have car insurance to be legal on the road. This and the desire to save money have led to many drivers looking for car insurance quotes at renewal time. Despite that, some people do not know their options in full. In fact, there are millions of UK drivers that are not familiar with their level of cover and what they are covered for. This is because they cannot distinguish between three types of car insurance that are commonly available.

Car insurance quotes can be obtained for the three types of car insurance, which are third party, third party fire and theft and fully comprehensive. Every single car insurer offers all three but there is a world of difference between them. As such, you can choose the level of cover that suits you as long as you know what all three actually are.

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.

Finally, fully comprehensive car insurance quotes will give you cover for a whole range of events and occurrences on the road, including, damage to your car, accidental damage, medical expenses, personal possession damage, personal accident benefit and the same basic elements that third party fire and theft covers you for.

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 a lot of money between the options and a sum that could make all the difference between the type of insurance that is ultimately obtained. If you know what type of insurance you want then you are ahead of the game. If not then prepare to be open to a world of difference between them.

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