Check Car Insurance Premiums Free from 18+ Insurers

Insurers price the risk they see in the car, the drivers and the plan you choose. Each insurer weighs these factors differently, so the same car can get very different premiums from different insurers. These are the main factors.

• The car: make, model, sub-model and age. A car that costs more, has expensive parts or is hard to repair usually costs more to insure.
• The type of cover. Type 1 gives your car the widest cover, so it costs more than Type 2+ and 3+, which cover your car in a collision with an identified land vehicle.
• The sum insured, which is what the insurer pays if the car is written off or stolen. The higher it is, the higher the premium. Set it close to the car's current market value.
• The repair type. Dealer repair usually costs more than repair at the insurer's partner garages, and each insurer sets its own age limit for dealer repair.
• The deductible. Choosing a plan where you pay the first part of a claim yourself usually lowers the premium.
• The drivers and their record. Under the OIC's new rules, a privately used car can be insured with up to 5 named drivers, insurers use each named driver's driving record over the past 12 months to set discounts, and if someone not named on the policy causes an accident, a deductible may apply.
• How the car is used, personal or commercial, and the province it's registered in, which some insurers use in pricing.
• Extra cover such as medical expenses, personal accident, driver bail bond or roadside assistance. Many plans include it, others sell it as an add-on, and the limits depend on the plan.

Compulsory motor insurance (PRB, พ.ร.บ.) is priced separately from voluntary insurance. The registrar sets its rate by vehicle type and use, so every insurer charges the same PRB premium.

The premiums you see after the form are for a privately used car, based on the make, model, sub-model, year and province you gave. The final premium is up to the insurer and may change once driver details or an inspection are added.

The cheapest premium isn't always the best value. Two plans with similar premiums can cover very different things, so compare these together before you choose.

• Compare plans of the same type with a similar sum insured, or the premiums won't be comparable.
• Check the repair type, dealer or garage, and whether a partner garage is near your home or work.
• Check the deductible: how much you pay yourself per claim, and when.
• Check the third-party liability limits for injury and for the other party's property.
• Check extra cover such as medical expenses, personal accident and driver bail bond, whose limits vary by plan.
• Check services such as 24-hour roadside assistance or a courtesy car, which some plans include and others don't.
• Read the policy's exclusions and conditions, and see how each insurer takes claims.

Not sure which type to pick? Type 1 gives your car the widest cover, including accidents with no other party, theft and fire. Flood depends on the plan: some Type 1 plans cap or exclude it, so check the flood limit in the quote and the policy. Type 2+ covers your car in a collision with an identified land vehicle, plus theft and fire. Type 3+ covers your car in a collision with an identified land vehicle, without theft and fire. Flood on Type 2+ and 3+ depends on the plan too, and every type covers your liability to third parties.

Electric cars have more to check, such as cover for the battery, charging cable and home charger, which depends on the plan and its add-ons. Fewer insurers and types of cover may be quoted for an electric car than for a petrol one.