When it comes to purchasing car liability insurance, some people think that all insurers are going to be the same. That's far from the truth, though. Some insurance agencies offer more coverage than others, and some are actually significantly cheaper. There are other ways you can save on your car insurance as well.

First, don't go with the first insurance company you speak with. Just like buying anything else, you always want to shop around. This can be difficult if you don't have liability insurance when you buy your first car. You can't legally drive the car off the lot without insurance on it. You'll need to be able to contact your insurance agent, or the agent you've selected if you aren't currently with someone, and have them add coverage to your new car right away. If you're shopping in the early evening, however, some of these agents will have already gone home for the day, which can cause some problems. For this reason, shopping for cars early in the day is a good idea.

If you own more than one car or have a home, you can get a discount for using the same insurance company. You may find that you can save as much as 15% or more by taking out multiple policies with the same company.

Many companies also give discounts for setting up an automatic electronic payment. This means your car insurance payment will be automatically taken out of your account on the same day every month. This often results in saving another 5% or so.

Having a clean driving record can also save you some money, especially if you have never had an accident.

All of these discounts add up, and as you can see, you can save a good amount if you shop around and find the most affordable insurance plan.


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Car liability insurance became mandatory in the UK in 1930 when the government passed a law declaring that all drivers had to have liability insurance. Today, this law has been updated and is known as the Road Traffic Act of 1988 (although it was actually last changed in 1991). It requires that all drivers be insured or have made a deposit with the Accountant General of the Supreme Court (in 1991, this deposit was £500,000). This insurance or deposit covers all damages done to another person or to their property.

The minimum amount of car liability insurance that a driver must have is called third party only insurance. It does not go beyond what the act requires. However, without this insurance, drivers cannot drive their car or give others permission to drive their car on any public road. On private land, however, the laws do not apply. There are a few exceptions to the act. These exceptions include vehicles owned by local authorities, education services, police and fire authorities, and vehicles owned and operated by other government agencies.

The act also goes on to say that any authorized person, including the police, can ask to see proof of insurance from any driver. If the driver can't provide this proof, he will be issued what is known as a HORT/1. This means the driver will have seven days from midnight of the date of issue to present proof of insurance to the police station. If he or she fails to do this, he or she will be fined and may have his/her car impounded.

UK drivers must display their vehicle license when driving. This makes it easier to guarantee that most drivers have insurance since they must produce their insurance certificate when purchasing the vehicle license.



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The prospect of buying a new car can be very exciting. Even if the car is not brand new but is practically new, euphoria often sets in when you imagine yourself sitting in the driver's seat. You can already see it now!

Before you get carried away you need to think about a very important issue that goes hand in hand with owning a car- that of car insurance. As the saying goes, you cannot have one without the other. A responsible motorist must have car insurance. This is one of those mistakes that should never occur because you know better.

If you are not insured and get into an accident then your insurance will help in terms of injuries to the people involved (including yourself) and the damages to the vehicles. If you don't have insurance then everything must be paid out of pocket. If the accident is bad enough you could be facing financial ruin. Don't do this to yourself or anyone else.

To ensure that you get the best rate possible, shop around for car insurance quotes. If you know little about how this is done then ask a more knowledgeable member of your family or a trusted friend to help you. Then talk to a selection of insurance companies to find out what they can offer you.

When it comes to car insurance quotes, it is wise to get at least three and then compare each one to the others. If you are new to doing this then you might want to get four or five quotes.

As you shop around for a new car keep in mind the features that can help to lower your car insurance. These include such things as air bags, motorized seat belts and anti-lock brakes. Most safety features will serve to lower your car insurance rate. This is good to know!

How much car insurance do you need to have? It is important that you don't have too little but also are not paying too much. The average amount of coverage is $100,000 for every person but can go as high as $300,000. If an accident occurs you will be glad if you chose a higher amount is higher.



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