Comprehensive car insurance is vital to protect yourself in the event of an accident. Finding the cheapest and best policy is easy if you know how. A lot of people opt for the cheaper policy of a third party party insurance policy which covers you for damage to someone else or someone else's vehicle. However, they can leave you exposed if you injure your self or own car which the cheaper insurance policy will not cover. A comprehensive policy will provide insurance to yourself as well as cover the other party. Many people wonder whether comprehensive cover is worth the extra expense and I think most people would agree when they look into it more that in fact this type of insurance policy can save you a great deal of money in the long run as well as providing greater protection for you and your family.

If you are reading this hub then you are already sat in front of your greatest resource for finding the cheapest and most comprehensive car insurance cover policy. The traditional method was to open a telephone directory, make a list of the telephone numbers of all the insurance companies and then spend hours calling the companies and repeating your details over and over. Going to insurance companies online is by far a quicker and cheaper way of finding a comprehensive car policy.

The first option is to click on the insurance companies you see online and enter your details, They will then give you a quote within seconds, usually and also send you a copy of the quote to your email address. You can then go back and review the prices and pick the cheapest comprehensive car insurance policy.

The other option is to go to a comparison website, enter your details and they will either then show you the results online or email them to you. The will list the cheapest comprehensive insurance polices which you can go and look at the site and pick one which you are happy with and also will not be so heavy on the pocket.

I was driving my car to work that fateful day. It was big caravan, our family vehicle. I had hardly managed to get any sleep in the last 24 hours and I was tired as can be. On top of it, my commute was long – long when you are not tired and too long when you are. About 10 miles from my office I dozed off just for a split second. That split second was enough for me to crash into the vehicle in front of me. Fortunately the car in front of me was a huge Lincoln Navigator that suffered minor damage. My car however was at the receiving end. The bonnet was a complete wreck, the radiator was leaking and there seemed to be smoke coming out of every crevice in the hood. I was dazed but managed to drive the vehicle to the side. I was thankful to see that I was still alive and that the driver of the car I had crashed into seemed to be perfectly fine.

My thankfulness soon however gave way to horror as I realized that I had not purchased comprehensive insurance on the vehicle. The liability coverage that I had opted for meant that while the insurance company was going to pay for the car I crashed into to get fixed, it was not responsible for doing the same to my car. It was completely my responsibility I should have opted for comprehensive coverage considering the fact that my commute was about 35 miles each way and I drove to work 5 days a week. Instead, my folly in trying to save a few dollars had resulted in a bill of about a couple of thousand dollars. No prizes for guessing it took me 2 seconds to switch to full coverage for my car after that accident!

Not only does a fully comprehensive car insurance policy cover fix your vehicle if you are involved in a crash but it also covers loss to your vehicle resulting from a non collision incident like your car hitting an object or animal, your car being stolen or damaged (by a wide variety of factors like flood and fire). If you are driving a newer car or if your vehicle is leased from a financial company, if your daily commute is more than 25 miles each way, then it makes a lot of sense for you to get comprehensive coverage on your vehicle. Do yourself and your vehicle a favor and do not settle for anything less than comprehensive policy!

There are a number of ways to reduce the price of your comprehensive car policy when applying for a quote. It is important to give the company as much information so that they can give you the most accurate quote. Providing the insurance company with a certificate from your old company that you have had few or no previous claims can reduce your quote. If you have a garage at home and you park you car in it overnight, this will reduce the price of comprehensive cover and it will also increase the safety of your car. Installing an alarm and immobilizer on the car will reduce the amount quite considerably, although some insurance companies may insist on these anyway to provide you with cover. Utilizing these techniques will, overall, help reduce the cost of your comprehensive car insurance policy and save you lots of money over years to come.

This useful video shows you ways to get cheap insurance online. It's useful as it looks at the important points that insurance companies look at in assessing rates for drivers. Using this information you can get good quotes when your next policy is due.