If you are a driver you need car insurance by law – it’s as simple as that. If you try driving around without it the police are bound to stop you sooner or later and the penalties are severe, including a possible driving ban.

The consequences of driving without car insurance are severe. If you do have an accident, for example, and you are not covered then you could find yourself personally liable for massive damages.

That is why it is so important that you compare car insurance immediately and get yourself a cost-effective policy that covers you to the extent that you require. When you go for a car insurance quote and compare car insurance costs you will be asked whether or not you want third-party; third-party, fire and theft; or fully comprehensive (fully comp) cover. Third-party will of course be cheaper, but it will not cover as many eventualities as third-party fire and theft or fully comp.

Car insurance online could also work out cheaper and you shopuld consider the Internet option when you go for car insurance quote. Premiums are based on a number of factors like your address (is it a bad area for car crime, for example?), the type of car you drive (especially its cost and engine size), your age and your previous driving record (including any endorsements on your driving licence).

These factors make it even more important that you compare car insurance quotes. This is where the price variables come in and you should always compare car insurance before you make a purchase as you could be missing out on some good deals if you do not do this.

Some car insurance companies target specific parts of the market – young drivers, elderly drivers, women drivers and so on – so why not go to a company that could help you specifically? Their policies could have just the one you need in the range of car insurance UK.