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Like in any other process, before making a decision over whether to purchase a policy or not, proper research should be done. One should be clear about the various types of policies, claim requirements and other car insurance questions. Only some are well acquainted with this information, so some investigations are worth making; to ensure over the odd payments are not made. All car policies could be divided into three main types. "3rd party only" is type one. If you cause damage to the property of the third party or injure them in any way, you can claim only for third party's cost. It is really important to understand that this type of policy will not protect its owner's own loss or injury. The second type is called "3rd party fire & theft". This is similar to type one in so much that the other person involved in an incident is covered. But it also provides further coverage in case the policyholders vehicle is stolen or damaged by fire. The third type is "comprehensive", also known as "fully comp". Here coverage is complete for every incident. The owner is protected against theft and fire, third part cover is provided and the owner is covered for damage to self and property should an claim be made. A serious number of factors will decide which policy will be most effective personally for you. First of all the budget must be taken into consideration, the distance one travels each month too, and the value of the car used. Conversation with the provider regarding each question is also worth accomplishing. There is a rule that the greater coverage one requires the higher the premium will be. Insurers assume that drivers, with longer experience are much safer drivers. The reason for this is that older drivers have been driving for a longer time and are, for that reason, going to be much more comfortable with the controls and responsible. For first time drivers, the company has no way to prove if the driver is dependable or likely to be compulsive. In that case all providers "penalize" such drivers with increased premiums. In the case of an accident, often the insured must pay an additional amount, known as an excess. If one wishes to lower his or her monthly premiums, choosing a higher voluntary excess payment on the policy could be an idea. As a result of a severe accident the vehicle could be totally damaged beyond repair. Then, an insurance company may take a decision that the cheaper way out would be to replace the destroyed vehicle rather than trying to repair. The information provided above is some kind of help to those, who are trying to deal with major car insurance questions. Of course, for deeper research, negotiations with professionals is always advisable. Top tips on how and where to get fast answers to car insurance questions now in our complete guide to all you need to know about IL ins requirements. Article Source: https://EzineArticles.com/expert/Ted_Kripps/320073 Article Source: http://EzineArticles.com/5948458