Its primary use is to provide protection against losses incurred as a result of trafiic accidents and against liability that could be incurred in an accident.

We arrange discounted car insurance in the UK for all types of vehicles, where you can compare multiple online car insurance rates from over a dozen of the nation's top insurance companies.

Get an instant car insurance quote and save money by buying online. If it is a rental vehicle, the rental agreement may require immediate reimbursement for damages, and it is customary practice for the rental company to charge your credit card.

Collision coverage is optional and provides coverage for an insured's vehicle that is involved in an accident, subject to a deductible. This coverage is designed to provide payments to repair the damaged vehicle, or payment of the cash value of the vehicle if it is not repairable.

While your driving history is the number one factor in an insurance company determining your premium, the sort of car you drive also plays a role. Insurance companies take into account the sticker price, the cost to repair the vehicle, replacement value, safety features, and how well it will withstand an accident.

The higher the cost of claims for a vehicle, the higher the rates, and therefore the harder it is to get insured. Not only do they have a higher ticket price at the dealership and cost a mint to fill-up, SUVs are also a magnet for higher insurance premiums. On average, it costs 10-20 percent more to insure a SUV than a regular car.