Perhaps one of the easiest ways of comparing car insurance online is to go to the website of a car insurance comparison site, such as Tesco Compare. If you chose to take this option you can quickly and easily compare the cost of car insurance, as well as other policy features and benefits. This would help towards you getting the best deal on your motor insurance premiums.




Of course, comparing car insurance deals online isn't just about the price (though, of course, it is a major consideration!) While we all want to make savings on our car insurance it's probably best to consider more than just the cost of the policy. A cheap policy that doesn't include what you need or is unsuitable could just be a waste of money and could end up costing you more in the long run should you need to make a claim.




So, there are many factors which could be taken into account when you are comparing car insurance online. Here we take a look at some of them.




Different types of cover


The first decision you'll be faced with is what type of car insurance would best suit your needs. There are three choices which are: third party only, third party - fire and theft and fully comprehensive. Third party car insurance offers the minimum amount of cover that allows you to drive on the road legally. As the name of the policy would suggest it basically provides cover for the 'third party'. This means that should you cause an accident, any third party costs (such as damage to the other person's vehicle) would be paid for by your insurer. However, any damage to your vehicle would not be covered and you would have to fund the repairs out of your own pocket. This type of insurance might be a consideration for you if your vehicle is very old and is not worth much.




Third party fire and theft insurance includes everything that third party only covers, however it also provides cover for your own car in the event it was damaged by fire or was stolen.




Fully comprehensive car insurance is the all-singing-all-dancing type of protection, offering all the cover provided by third party, fire and theft insurance plus the costs of any damage to your car, even if you caused the accident. Some providers also offer other additional benefits such as free handbag cover, legal cover, a courtesy car and No Claims Bonus protection. It really makes sense to see what each insurance provider offers as these can vary.




Making comparisons


Once you have decided which level of cover would be the most suitable, you can then start comparing car insurance online. Check out the terms and conditions carefully, as these can differ greatly with each provider. There can be exclusions for example. These are the things that could stop you from making a successful claim. The amount of the standard excess, which is the sum of money you would have to pay in the event of a claim before the insurance kicks in, can differ between policies. Therefore, make sure you compare policies like-for-like.




Comparing car insurance online is like having hundreds of the top UK car insurance companies right there in your own living room. Finding cheap, suitable car insurance has never been so quick and easy.

Author: Liz Willder

About the author:
Liz Willder is from Tescocompare.com, the insurance comparison site where you can compare car insurance policy features and prices.

Article source: Free Insurance Articles.