Everyone wants the best car insurance coverage, but not everyone appreciates the variables that affect coverage, and the pitfalls that can occur if the wrong type of coverage is chosen. This article will set these things straight and after reading you'll have a clear sense of how to move forward with your motor vehicle insurance.

1. Third Party Or Full Coverage?
This is an important question to consider when looking for insurance. The answer and decision should be based firmly on your personal circumstances. Third Party might be cheaper, but if you lead a high risk lifestyle (commute long distances, drive in congested areas etc) then it might not be the best option for you. Also, Third Party may not be the best option if your car has a high replacement value, since if it's totaled and there is a third party, only their car will be fixed or replaced.

2. How To Maximize Savings
Most people nowdays can not afford pricey car insurance, therefore it is in your best interest to do the things within your means to bring the cost of insurance down.
Things like fitting immobilizer and car alarms can reduce the cost of insurance by as much as 20%. When you get a quote, try increasing the deductible amount specified as this will reduce the cost the overall cost of insuring the vehicle.

If you have the money handy, you can also do a defensive driving course. This will show greater competency and insurance providers have been known to offer discounts to people who take and pass these types of courses.

3. The Online Factor
Lastly, when considering best car insurance coverage, use an online insurance provider. You'll get the same amount of coverage offered by offline companies at a fraction of the cost. The process online is a lot more efficient too and it's not uncommon to get a quote within minutes of submitting your information.

I hope this article has given you a greater sense of clarity regarding insurance coverage. Remember, the cheapest coverage may not be the best option for you, and where possible use an online provider when insuring your car.