What is 3rd party insurance and how can I buy it?

How do I know if I have 3rd party insurance? My grandfather is helping me buy my first car and said I only need 3rd party insurance. What is that and how do I buy it?

Answer
“Third party insurance” is just another way of saying liability-only coverage, which covers damages to other drivers and cars if you cause an accident.
If you opt for a liability-only policy, you won’t get full-coverage insurance which is liability plus comprehensive and collision coverage. If your car is older and doesn’t have much value, it would make sense to save money in this way.
You can buy a liability-only policy with pretty much any insurer. Call a company over the phone or go to their website. Or use Jerry to shop for low rates with up to 50 top insurers. By comparing dozens of competitive quotes, you’re likely to find the best savings available to you!
Shannon Martin
Answered on Oct 21, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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