You want the best car insurance deal, but how do you find it? Our buyer's guide will help you keep it simple.

What matters to you?

Choosing the right policy is about deciding how much cover you need, what you can afford and whether you need any extra features on top of the standard policy.

What are your options?

1. Third party cover

   The most basic option and usually the cheapest. This policy pays out if you injure someone or damage their car in an accident.

2. Third party, fire and theft

   In addition to third party cover, your policy also covers the cost of repairs or a replacement car if yours is stolen, damaged or destroyed by fire.

3. Comprehensive cover

   All the benefits of the cheaper policies, plus a payout for repairs if your car is damaged in an accident.

4. The optional extras

   Double check which special features are included in your policy and which will cost you extra. You may want to consider additional cover

• driving abroad
• personal accident for you and your family
• personal belongings stolen from your car
• legal costs if you end up in court after an accident
• roadside assistance
• a courtesy car if yours is off the road

Avoid the pitfalls

Read the small print and be aware of the common policy pitfalls, including:

• higher premiums for paying in instalments
• a low premium, but a high excess
• costly payments to add other drivers to your policy
• high charges for updating policy details mid-term, e.g. changing your address

Cost-cutting tips

• Compare quotes - don't just go with the first option.
• Claim your discount. Preferential rates are available for lower-risk groups such as women and drivers with good no-claims records.
• Fit your car with extra safety and anti-theft devices - it reduces your risk profile
• Drive less - low mileage can mean a cheaper premium

Next steps

Once you know what you're looking for, it's time to compare car insurance policies.