It is the goal of every single driver on the road to pay the least amount of money for the most cover on their car insurance. However, there is not one type of policy or one type of insurance that will promise you this. The cheapest and most comprehensive car insurance policy for you depends on a number of things including how often you drive, what type of vehicle you are insuring, where you live, where you work and who is included under your policy. The easiest way to get the most comprehensive policy for the least amount of money is to know exactly what you are looking for and compare the various policies on offer through a number of different providers.

Affordable Car Insurance Cover

So what are you looking for? This depends on a number of things. The most affordable car insurance is going to be third party cover which is also the bare minimum needed in order to drive legally on the roads in the UK, so is good to know when you begin filing claims. Third party cover pays for the costs to the other driver if you are found at fault and will cover the costs of the expenses to the passengers in your car but that is it. If you are willing to pay out of pocket costs for your own car's damage and are happy taking this risk on the road, then the most affordable cover for you is definitely third party insurance.

If you are looking for a little more cover then third party fire and theft may be a better option which includes the coverage as above but also includes payment if your vehicle is damaged due to fire or theft. You can expect the rates to be more expensive with this type of insurance but you are also getting more protection. Comprehensive cover is the most expensive option but it is also the most complete and includes compensation for all damages to your car and yourself in the event of any type of accident, on and off the roads.

Another thing that will impact the affordability of your insurance is whether you choose to add on extras. Things like breakdown cover, rental car hire insurance, legal expenses insurance and overseas driver insurance can all be included on any policy but they will cost more. It is your mission to seek out the cheapest policy that includes all of these extras.

Getting the Best Quotes on your Policy

So how do you do that? How affordable you get your car insurance depends on a number of things. Every provider will use similar criteria to determine your rates but every provider has a different way of calculating the level of importance of each factor. Things like your age, gender, vehicle make and model and residency will all make a difference. Furthermore, how often you drive and where you are driving (city, rural, etc) will also matter.

The key is to find a provider that specialises in your specific needs, such as for young drivers, sport car drivers or mature aged drivers. This is where the best rates and the discounts will be. The easiest way to do this is to shop and compare car cover quotes online where you can access a number of quotes from providers across the UK and find the most affordable one. Whether you are looking for third party, comprehensive or speciality insurance, you can find the most affordable rate by doing a little research and comparing what's out there.