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.

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 simplest of the three because it only covers a few elements. It will cover you for any damage you cause to another car and for injuries you cause to another individual, including your passengers. However, it will not cover you or your car in the even of an accident, fire or theft. Unless the accident is someone elses fault, you have to cover your own damages.

Third party fire and theft is the next level up. It covers you in much the same way as third party does but it also covers you for theft and also if your car happens to catch fire. That is it though. It will not cover you or your car 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.

It is your choice as to which option you ultimately choose. It will definitely help to get car insurance quotes from various companies to see what is on offer. However, the type of insurance that you choose will definitely make an impact on your premiums. In some cases you may only be able to afford the basic level of insurance.

Fully comprehensive car insurance is easily the most expensive because of the sheer amount of elements it covers. Mrs Cooper is a prime example of that. She obtained a range of car insurance quotes for a Vauxhall Corsa and found that there was 173 pounds between the cheapest third party and the cheapest fully comprehensive insurance options.

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.