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Car insurance is one of the most commonly used insurance products around the world, with a large range of policies available to choose from. Perhaps the most fundamental difference between car insurance policies is whether they are compulsory or voluntary in nature. In most places around the world, it is a legal requirement to have some form of third party protection before being allowed to drive on public roads.
Third party car insurance is often a legal obligation for car owners, and is built into various forms of government taxation and vehicle registration schemes. In some nations, drivers pay this insurance through a pay as you drive scheme, where the price of third party car insurance is build into the price of petrol and road tolls. Whether you are looking for third party coverage or a full comprehensive contract, cheap car insurance (günstige Autoversicherungen) policies can be found on the Internet through comparison websites and individual insurance companies.

There is often a lot of difference between the price of premiums in various car insurance contracts, with differences based mostly on the level of coverage being provided and the risk associated with individual policy owners. For example, basic third party protection is likely to be much cheaper than full comprehensive coverage, because it also offers coverage for the policy owner and their own vehicle in the case of accidents and other losses. Contracts that cover fire and theft are also generally more expensive, as are those with extended liability protection. In most places around the world, third party protection is the clearest example of a cheap car insurance product, although there are also a number of relatively cheap products which provide deeper levels of protection for products such as rugs (Teppiche) .

Along with the level of coverage being provided, insurance firms also calculate the level of risk associated with individual drivers. For example, a young driver may be more likely to pay higher premiums than an experienced driver, and an old bomb will probably attract cheaper insurance premiums than a Ferrari. Some of the other factors which are taken into consideration by car insurance companies include the age of the driver, the sex of the driver, the intended use of the vehicle, the classification of the vehicle, and the history of the driver. Cheap car insurance products are available within each category of car insurance, with consumers able to compare and contrast various policies easily on the Internet.