You should shop around and get several quotes if you want to get the best deal possible on motor insurance and while you could do this yourself it will take a great deal of time and even then you cannot be sure you have got the best possible deal for your insurance.
A far better choice is to go with a specialist broker and let them get your motor insurance quotes for you; a specialist motor insurance broker will know where to look and so will be able to get the quotes quicker and easier than you could ever do whilst ensuring they have scoured their resources for the cheapest possible deal.
When it comes to getting your motor insurance quotes then you first have to decide which type of car insurance would be most suitable for your circumstances. There are three main types of insurance and these are fully comprehensive, third party fire and theft and third party only, of course fully comprehensive is the dearest with the other two being the cheapest.
Third party fire and theft will insure your car against the possibility of others claiming against you if you should be in an accident and also includes cover for if your car is stolen or if it should be damaged or destroyed due to fire. However, if you caused the accident, your own vehicle would not be covered.
Fully comprehensive will also cover you for all the things that third party fire and theft does but in addition it gives cover against such things as personal belongings, money to cover any medical expenses if you should be hurt in an accident along with personal accident cover. Your vehicle is fully covered, whether or not the damage or loss was caused by you, so it is ideal for cars that are worth over £5,000.
However you should check all policies small print to be sure of what your particular policy covers you for.
Third party only will cover against any claims made by others only and is the cheapest form of insurance.
Whichever type of insurance you choose to go for, a specialist broker will always be able to get you the cheapest motor insurance quotes in the shortest time possible.
David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value car insurance, ensuring that their clients have the protection they need, without leaving a hole in their pocket.
