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Types of Coverage, cheap auto insurance no down

If you own a car, no doubt you’ll understand when people sit around complaining about the price of their automobile insurance. But, the fact is that the price of you automobile insurance is going to depend as much on what type of insurance you buy as it is on what vehicle insurance firm you use to insure your car.

 

So, what are the dissimilar types of car insurance options available?

Fully comprehensive vehicle insurance

Fully comprehensive auto insurance is without doubt the most expensive. However, with so many motorcars financed by finance firm, it is also probably the most common type of insurance – as the finance organization make it a requirement that the owner insure their car fully comprehensive.

In short, as its name suggests, fully comprehensive automobile insurance insures the owner of the vehicle against all manner of events – from an car accident to theft of the car. The upside of this type of auto insurance is there is no need to show ‘fault’ in order to claim. So, if you have an fender bender, which is not your fault, and the owner of the other car, who is at fault, doesn’t give you his insurance details, or, worse, is uninsured, you can still claim against your insurance company. Similarly, if your car is stolen, then fully comprehensive vehicle insurance allows you to claim against the vehicle insurance organization.

However, do read your auto insurance plan carefully, as most car insurance groups refuse to insure 100% of the value of a car, choosing instead to only insure 80%, or so, of the value. The car insurance groups claim that doing this prevents fraudulent losses of car where the owner of the auto either no longer wants the motorcar, or is encountering financial difficulty.

Third Party, Fire & Theft

Third party, fire & theft car insurance is a middle of the road car insurance package popular with those who have already paid off their motorcar loans, but who still have a certain level of intrinsic value in their automobile.

Under this type of automobile insurance, most of the pay-out events covered under fully comprehensive v are covered – such as fire & theft. However, in the event of an car accident, the vehicle insurance group is only required to pay-out if you are at fault, and you hit another motorcar. So, in the event that you hit a wall, or only damage your automobile, the insurance group will not be required to pay. Likewise, if you are involved in an vehicle car crash with another vehicle, and are not at fault, your auto insurance company will not be required to pay-out, regardless of whether or not the other person has sufficient auto insurance to pay for the damage done to your automobile.

Third Party car insurance

Third party auto insurance is the ‘basic’ type of insurance, and only covers circumstances where you are involved in a auto chance event, are at fault, and hit a third party. In all other events, the automobile insurance group is not required to make a payment. As such, it is also the cheapest type of vehicle insurance you can purchase. That said, this type of auto insurance is usually only purchased by those automobile owners who have an old vehicle with little or no value.

Specialized automobile insurance

Finally, strictly speaking any car over 25 years old is considered a ‘classic’. As such, this type of car should be insured as a classic vehicle – with all of the benefits and requirements of such. Although ‘classic’ car insurance usually has all of the benefits of fully comprehensive insurance, one significant disadvantage that classic automobile insurance has is that you are usually limited to the number of road miles you can drive in any given year – so check your plan carefully.

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