To legally drive and own a car we must all have car insurance to protect ourselves and mainly others from damage or loss caused by accidents, and also car theft. There are many car insurance companies that will be able to offer different quotes for the car insurance policy and many car insurance policies depend on the age, gender and driving experience that the policy holder has. Normally people will take out fully comprehensive car insurance which covers all of the loss or damage that could happen to a car. There may be an excess payment that would be required to be paid if the car was involved in an accident but this can vary. The other type of car insurance policy that is available is Third Party Fire and Theft. If you are a careful driver and have not claimed on your insurance policy then you can collect a dicount on your car insurance policy based on the number of years that you are free from claims. If you have a few years of no claims discount on your car insurance policy than you can protect these for a minimum fee.