This site is about how to find cheap car insurance. Its mainly for the American market but we will be covering the United Kingdom, Canada, Australia and New Zealand as well.

We will point you to companies that provide online quote systems. Be wary of sites that forward you on to another site. These are just “gateways” for the insurance companies and will be collecting a commission if you proceed with a particular company’s quote.

We will also be providing a Comparison Chart for the cheapest car insurance companies.

And we may even do some car tests.

Why pay more? Go for the cheapest car insurance.

Auto insurance for The United States covers you from loss if your car is in an accident or is stolen. It alkso covers you for “Third Party damages” – damage to property and personal injury to yourself and others.

All American states require a motor vehicle owner to carry at least some level of insurance (except for Virginia where the rules are different) – it’s compulsory – meaning if you plan on driving an automobile in The United States, you must have insurance.

Car owners pay an insurance company monthly premiums (payments).

How much? That depends on a lot of variables – like the type of car you’re insuring, your age, your location (including whether the vehicle is garaged or left on the street) and your driving record.

You can get some pretty good deals if you have “all your ducks in a row”.

 

Usually you need to keep your insurance papers in the car or on your person in case of an accident. Usually the company will issue you with a card and sometimes a folder and/or a sticker to put on your windscreen.

 

Remember: you may not be in the right frame of mind to go searching for your car insurance details after an accident so its best to have your paperwork organised and easily found.

In the U.S., car insurance liability covers claims against you (the policy holder) and anybody who is a “designated driver”. This isn’t for family or friends who live at your house.

Family and friends living at the same address and driving your car must be noted on the policy.

Be sure that the Liability Insurance protects you if you’re driving someone elses car. It may not.

Liability coverage covers what they call BI – bodily injury (BI) or PD – property damage. Tha amount you’re covered for can vary greatly. make sure you read the clauses and conditions before signing the contract.