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It is a fact that if you drive a car then you have to have car insurance. It is a legal requirement, which is why many of us look for different car insurance quotes every year around renewal time. However, you would not believe how many people have not examined all of their options and do not know exactly what is covered on their car insurance policies. There are millions in the UK alone, and this is largely because they do not know the difference between the three types of car insurance 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 lowest level of car insurance that you can get. It will literally only cover third parties, meaning that it will pay out for damage you do to other cars and people if you are involved in an accident. However, it will not cover any injury you sustain or damage you do to your car. If someone else is responsible for the accident then you can claim on his or her insurance.

Third party fire and theft has the same basis as third party insurance but it will also cover you in the event that your car is stolen or set on fire, whether through an accident or through vandalism. However, it will not cover you for damage to you or your car if you cause an accident.

The highest level is fully comprehensive. The car insurance quotes for this will offer a whole range of elements in the cover. Taking out this policy will get you cover for all of the above and accident benefit, medical expenses, accidental damage, damage to your car and personal possessions damage.

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.