A recent survey showed motorists in the UK were unaware of the importance of car insurance, many did not realise it was a legal requirement. Car insurance became a legal requirement in 1930 amazing some 78 years later and the majority of drivers are still unaware they need an insurance policy to drive a car.

There are different types of car insurance on offer a policy can cover damage to other vehicles and drivers or damage to your car and yourself.

Searching for car insurance can be a long process, with more insurance providers emerging every year competition for you custom is high so you can get great low premiums if you look around.

The lowest form of insurance required by law is third party insurance cover, if you cause an accident this insurance will pay the cost of damages to the other vehicle/s and drivers involved, it does not cover damage to your car, your medical costs and it does not pay out if your car is stolen.

Other car insurance policies available are third party fire and theft this covers the same as third party but also covers your car in the event of theft.

The most cover for cars is provided by taking out comprehensive insurance also referred to as fully comp provides cover for the cost of all damages and injuries for both you and the other driver/s involved in the accident.

There are some other policies to choose from if you have a specialist car, some of which include classic car insurance and 4x4 insurance.

The cost of your yearly premium will vary on your age, gender and experience. There are now many insurers that specialise in woman drivers they provide good deals for female motorists, this is because statistic show women are in less car accidents than men. Some providers to specialise in this area are Shelia’s wheels and diamond insurance.

There are also providers that specialise in the over 50’ssome of the big players are privilege and saga insurance, this age group can get a good deal due the number of years they have on the road and the fact they are considered the safest on the road.
Young drivers can have a tough time finding affordable insurance, this is due to their lack of experience and they are involved in the majority of car accidents. Recent years has seen an increase in providers specialising in this market, some to consider include Endsleigh and Norwich union.

Another group of drivers who can find it hard to get a good quote are those with motoring offences on their records, motoring offences can include speeding offences, dangerous driving and drink driving offences. If you fall into this category Adrian Flux offers competitive insurance policies designed especially for you.

Whoever you are a good deal can be found by spending time searching the market, this has been made easier in recent years by comparison sites.  Comparison sites provide information on a number of insurers in one place, they list a number of policies and prices meaning you can select the one that appeals to you.