It is a legal requirement for everyone in the UK who drives a car on a public road to have car insurance and of course, everyone wants the best insurance for their car at the best possible price. This is true if you are looking for Ford car insurance, Vauxhall car insurance or any of the other major makes. Whether you are just considering changing your current insurance company or looking into coverage for a new car, there are many factors to consider. It's always a good idea to do some research and get several online quotes before you make a decision. Read below to learn about other things to consider when buying car insurance. After all its you in the driving seat!

1.Types of Insurance There are many types of coverage that you can have included in your insurance policy. Beyond personal liability for any damages, common policies may include collision insurance which pays your bills in the event of an accident, and comprehensive insurance which protects against hazards like uninsured drivers. It is worth your time to look into other policies you may not be familiar with. For instance, breakdown insurance can cover the cost of repair if your car breaks down on the road or cover a tow to a service station. Investigate the different types of insurance available and which type and what coverage fits your needs.

2. Compare insurance quotes. Insurance policies will vary from company to company so it's worth your while to shop around online and compare prices. With hundreds of insurance companies websites competing for your business, comparing prices and getting several quotes could reduce your premium. Although price is important, make sure you also take into consideration the standing of the company. It may be worth a little extra money for an insurance policy with a company with great customer service and a hassle free claims procedure.

3. Decide on your excess Although it may be tempting to go with a lower excess on your car insurance, consider the effect it will have on your premium. Although a £50 excess may sound great, a £200 excess may save you more money in the long run because of lower monthly payments. Some considerations to take into account when deciding on your excess are the age and condition of your car and what it will most often be used for.

4. Consider Your Budget Hopefully, you take your budget into consideration before buying a vehicle. The same should go for your car insurance. Although you want your coverage to match your vehicle requirements, you also want to be able to afford it. Think about how you will be able to pay for your insurance. Most companies offer you several payment options allowing you to choose from monthly, quarterly, every six months or yearly payments. Consider what would work best for you and if any discounts or penalties apply for different payment methods. Take advantage of specials that can lower your rates as well, such as good student discounts and discounts for completing training such as defensive driving classes.

5. Read Your Insurance Policy Lastly, make sure that you understand your car policy. There are five main parts to an insurance policy: declarations, coverage, exclusions, conditions and definitions. Declarations are the personal information about the driver(s) and vehicle(s) that will be covered. Coverage describes the coverage and limits of the policy that you purchased and Exclusions will outline what is not covered. Conditions explains the responsibility of you the insured, and your insurance company. The Definitions section defines terms, and highlights your rights and the rights of the insurance company. Take a look at all parts of your policy and make sure that you understand everything. If you don't understand or something doesn't look right, ask your agent and make sure it is cleared up. You should use a company that is willing to explain everything to you, if not get another company.