Car insurance: how to choose?

Roll requires to be insured. Can not put a vehicle in traffic without at least be assured the third. Depending on your habits and your driver profile, vehicle you use, the region where you live, your insurer will have several contract proposals. What are the options?
Third party insurance
Commonly called "third" or "third collision" car insurance is a basic formula which covers the mandatory minimum liability. This means you are covered for all damages and injury caused to third parties, those in your vehicle and others. This warranty excludes the driver, but also those who have not complied transported the safety (seat belt) and those carried against payment.
The damage you cause to third parties are covered by your insurance. But third-party insurance means that the damage to your vehicle accidents are responsible for your care. Similarly, any damage suffered by you, the driver, your only responsibility or without identification of the officer is not compensated.
The third party insurance only limited to the liability coverage is the cheapest, but one which protects the least. This formula is generally recommended for vehicles of low value: if the ratio of your annual premium for a guaranteed "all risks" and the value of your car is between 4% and 6% prefer the third formula. It is a question of balance between your budget and your propensity to accept or reject the risk.
You can add additional safeguards that guarantee theft, fire and broken windows. The insurance will guarantee repayment in case of repairs to broken windows, and you're covered in case of fire or theft.
Casualty collisions
This is the intermediate form between the third-party contract and the contract "all risks" because it also supports the damage caused to your vehicle in an accident with a third identifiable (unless another vehicle leakage occurs, a cyclist, a pet owner with identified). The principle of security is the fact that another party is responsible for the accident and that this part is known and identifiable. A very clear principle which implies the limitations of this type of contract.
All Risks
You are assured that you are responsible or not the disaster, even if the person is not identified, stopped vehicle or traffic. Are excluded from the guarantee damage or accidents caused by drivers drunk or under the influence of drugs.
The comprehensive insurance this guarantees optimal hardware for your vehicle. This is important if you own a new car or a car collector. In case of accident, your vehicle is returned to its value at the time of the accident. Know that you will be compensated more quickly if you are covered "all risks", without waiting for the settlement of claims by the insurer of the third person.
Despite its name, the all risk insurance "does not guarantee unlimited: particularly sure that the insurance includes a guarantee driver's body to be covered in case of injury in an accident which you are responsible . Check the exclusions and possibly add options to the contract if you feel that you are not covered sufficiently in other cases: security for the contents of the vehicle repair option or loan from another vehicle, mechanical guarantee.