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Car insurance gives protection to the vehicle owner against the damages caused to the vehicle and also pays for the third party insurance. Third party insurance basically means that the owner of the vehicle is legally responsible for any injury or the damage caused to the third party. This damage can be life as well as the car damage. In almost every country round the world it is mandatory to have cheap car insurance quotes if you drive a car. There are generally two types of cheap carpolicies that offer car insurance cover. The first type of insurance cover is the liability only insurance policy. The second one is a package policy. It covers the car damage as well as life cover. It is generally advisable to choose the package policy. A car insurancepolicy covers a lot of fixed points. The damage to the vehicle caused in several cases is covered under car insurance. Some of the common points which are covered in a car insurance policy are cover from fire, self-igniting, explosion, lighting, theft, earthquake, all types of natural calamities, terrorism acts and all kinds of accidents. Along with the points which are compulsorily covered in a cheap car insurance policy, you should also keep in mind the points that are not covered in the insurance policy. If in case you don’t have a valid driving license, you would never get a car insurance. Your policy would also get nullified if you drive the car under the influence of liquor or drugs. Using the vehicle for unlawful practices is also not covered under an insurance policy cover. Two terms should be kept in mind when you talk about the sum insured of your cheap car insurance policy. Sum insured is always offered for two cases, one is for own damage and the second is for the third party. The sum insured is the total value of the car on the basis of manufacturers’ present value and the depreciation which keep on increasing with the increasing age of the car. The life insurance cover of the driver or the owner of the car is also included in the policy. It is compulsory to buy third party liability insurance for all the drivers and the car owners. Also ensure that your policy covers the features like loss or damage to the vehicle as well as the driver of the car. Also keep in mind various features which help in reducing the original value of the premium incurred by buying the cheap car insurance policy. Some features like no claim bonus, anti theft systems, immobilizers, gear locks etc play a major role in reducing the premium of the insurance policy. For more information regarding cheap insurance, visit to a trendy search engine and log on to the best website.
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