Car insurance can be confusing. There seems to be a new advert about it every day and endless information and quotes that can often be overwhelming. Especially if you’re new to the roads.

So let’s try and break it down a little bit and explore exactly how car payments work.

First off, you’re going to need some car insurance. Now this can be expensive, but it is a lawful requirement and isn’t worth the risk of avoiding the costs. Anyone found breaking the insurance enforcement policies can receive a E100 fixed penalty notice, can have their car clamped and can even face a prosecution in court with fines stretching up to £1,000! So yeah, you need it

Plus, it aims to keep you safe on the road. Car insurance covers not only you, but any other named drivers as long as they are claimed on your insurance policy. This means you can share insurance with a partner, friend or family member, and they can legally drive your vehicle.

Your policy can even expand to offer protection if you are driving someone else’s car, it all depends on what policy you choose to go for. As a minimum though, your insurance will protect you against third party costs. These can include damage, injury and even death should an accident occur.

Insurance policies change depending on whether an accident is deemed your fault, or the fault of another vehicle driver. Obviously, we hope an accident never happens to you while you are on the road, but it is important to look at insurance policies to cover all bases of possibility and get the best deal for your money.

Other policies can include coverage for your individual costs, by this we mean things such as repairs to your vehicle or reimbursements if your car becomes stolen or written off (unable to be driven anymore).

There are no exceptions on the laws surrounding insurance. All drivers of all ages must be insurance in order to legally drive a vehicle. Just in the same sense you need a license, you need insurance.

Car insurance premiums can fall and rise, so it’s important you keep on the ball if you want the most from your money. Running a car is expensive in itself so getting the best possible insurance deal you can will benefit you and your wallet greatly.

Basically, this means it is absolutely crucial to shop around before making any impulse purchases!

Having a no claims history can determine whether or not your insurance policy is cheaper. In order to make a no claims claim case however, you have to be the lead name driver of your vehicle. Meaning if you are a named driver/third party user, for example if you use your parents car, then you will not be able to benefit from the no claims system until you are the lead driver of your own insurance and have been driving that car for a considerable amount of time

Things you might not have even considered can affect your insurance, such as your postcode and where you regularly park your car at night. By living in a higher risk area, you are more a risk of being made to pay a higher rate.

This system is arguably unfair, but sadly it is the system nonetheless. If insurance company feel your car is at risk of theft of vandalism, they are likely to bump their prices up, which is something you might want to consider when applying for a rate.

If you are living in the United Kingdom there are three types of insurance you need to consider, and moneysupermarket.com have a brief and simple mode of explaining this

The sad thing about insurance is, you will be charged more for monthly payment plans. But it’s highly unlikely the average driver is able to pay for their insurance annually to avoid these extra costs.

This can be especially costly around holiday seasons such as Christmas which can lead a driver to feel quite low about their expenditure.

Essentially, buying a car and paying for petrol is only half the deal with car payments. Insurance can be a painful aspect of driving, but all the same, it is necessary.

There are a few things that can aid your insurance to stay within the affordable amounts, even with the extra monthly fees added on This includes the type of car you drive. Expensive cars with larger engines are likely to have higher insurance payments, so if yo

u are hoping for a reasonable policy-best to avoid these.

Also, by parking your car in a drive way or garage overnight, you can avoid fees that would be charged if you park on the street.