subject: Get Online Car Insurance Save Money And Time [print this page] Car insurance today is one of the most important documents that need to be carried while driving. It is not just a document that is carried for the sake of formality, but there is a deeper reason. A valid car insurance can provide compensation to the driver / owner of the car met with an accident and also pay for any third party liability expenses. It also protects from various other incidents such as theft, damages to the vehicle occurred due to nature or human reasons.
An assurance car insurance is offered by most of the insurance companies which are operating in our market today. Most of these national car insurance companies offer the best car insurance policies.
Generally, auto insurance comes in two varieties. These include Third Party Liability insurance and Comprehensive insurance.
Third party liability insurance:
Third party liability is that type of insurance, which is the most simple of all the auto insurance products available.
This Third party liability, as the name suggests is that type of policy in which only third party expenses are paid by the insurance company.
In other words, lets assume that if your vehicle has third party liability insurance and it meets with an accident. Then the insurance company will pay only those expenses which are sustained by the third party or the other party which is involved in the accident. It includes all those medical as well vehicle damage expenses.
As the insurance company will pay only for third party expenses, the cost of this car insurance is usually very low.
Comprehensive car insurance:
Comprehensive insurance policy is a package policy which encompasses more than third party liability expenses and includes several other expenses as well.
It is the next level in assurance car insurance.
In this type of insurance, the national car insurance company will pay for all the expenses incurred by both the third party as well as by the owner in case of an accident.
This car insurance policy not only pays for accidents but also when no accident occurs but incidents occur.
These incidents include theft of the vehicle, any damages occurred to the vehicle on account of natural or man made calamities such as floods, hurricanes, hailstorms, etc. Man made calamities include acts of terrorism, riots, clashes, etc.
In all these instances and many more, the damages occurred to the car and in some cases, to the passengers will be paid by the assurance car insurance company.
Nowadays, many of the national car insurance companies are offering car insurance policies. There are only these two types of policies. Third party liability and comprehensive car insurance policies. But, there is a lot of difference in the policies being offered by the national car insurance companies in the same category for the same make and model of the vehicle. Due to this reason, there is a need to compare them to arrive at the best car insurance policy.
It is obvious that conventionally, such a policys price would be very high, but when we search online, things can be different. Online car insurance can be regarded as the best car insurance, because of the fact that the cost of the policies is much lower in comparison to buying policies directly from an agent. When we buy from agents, the commission of the agents is also added to our policy, thus increasing the price, which can be avoided by buying online.
by: Andy Smith
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