Most insurers follow a simple rule in order to judge the risk factor in determining the premium for car insurance. These factors include the type of car you have, start condition of the car, your journey, your health, providing the company as much detail as possible, this will ensure you get the best price for your car.
For liability insurance, the premium will be lower as a basis not covered by the plan. If you decide to go for general policy, you pay higher premiums, but you get full coverage for everything related to your car. Try to negotiate and compare you can find some car insurance, an agreement that will reach maximum cover in less than premium.