Although it's cheaper to have third party fire and theft, if you drive a more expensive car make a comprehensive policy may offer more protection for any damage to your vehicle. Many companies do not allow third party insurance for cars over a specific value for your protection.
All cars are classified into an insurance group. The higher the number category your car is in the more you will pay for insurance. These Classes can be for various reasons, but the most common is engine size. The bigger the engine, the higher the insurance group.
A lot of car insurance companies are now looking at customer's credit ratings, so if you have a good credit score you may benefit from lower premiums.
