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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?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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!
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