Moreover, most of the insurances come with bulky paperwork which fails to make the fine details very clear. The numerous components, clauses, headings and subheadings are such that they can lead to confusion for the majority of people. For instance, you are sure to be lost, when confronted with the title 'fully comp' because it offers you partial cover, and is itself quite confusing.
Thus, the foremost advice for a first time car insurance buyer is to hunt around quite thoroughly. Make sure that you look around and search for the cheapest option available. Do not go for high premiums. Also, remember that cheap car insurances are often the ones which are bought online. That is because; online car insurances do not require a plethora of staff to operate. This cuts down on the overhead cost.
However, after the scourging, make sure to fix one certain kind of insurance which suits you the most. This narrowing down upon one insurance type is very important. Generally, there are three main kinds of car insurance. They are - fully comp, third party, fire and theft and third party only.
* Third party, fire and theft
This is the insurance which provides for you if you accidentally damage someone else's car. It also covers the damages your car shall suffer if it is ever in this kind of an accident. If your car is stolen or gets damaged in a fire, this insurance will help out.
* Fully comprehensive
The name is kind of untrue, because this insurance does not really cover everything. However, it does cover a lot, including everything covered by third party and theft, as well as insurance during personal accidents and emergency.
* Third party only
This insurance shall only cover the charges if any other party brings allegations against you. For example, that of damage to their property etc.
However, please remember that these are only the basic kinds of insurance you shall come across while shopping for your car insurance for the first time. There are numerous other examples which you need to hunt around for yourself. However, don't forget that the more covers you add, the more your premium is going to shoot up.
But don't lose heart if you are faced with a gigantic cost. There are certain methods you can apply to reduce the amount of premium you pay. These include an unblemished record of driving and a well secured car. Make sure that you are not involved in accidents and also equip your car with the latest anti burglar alarms and locks. Following these simple methods will bring down your premium in no time at all.
Thus, even though there is more than one type of insurance to choose from, make sure that you look around and end up with the right one. A little bit of strategy and a clean driving record can ultimately save you a lot of money in the long run.
Kian Chew is a car insurance expert and owner of Car Insurance Hot Zone. Car Insurance Hot Zone helps those who wish to lower their car insurance cost for life by using a few basic rules and some strategies which few people know. Click below for instant access http://www.CarInsuranceHotZone.com
