Car insurance is not an easy item to digest. It comes in all types and sizes. Each one has to make his own calculation as to whether his or her particular type of car insurance is optimal for the vehicle situation. If you've got a brand new Jaguar and are worried about theft then obviously you have to insure your car. If you don’t' have comprehensive insurance then you are in dire straits because only the comprehensive car insurance will cover theft of vehicles. Hence anyone who holds a relatively good car and does not wish to find it stolen without coverage should make sure that there is a good comprehensive insurance. Now if you decide that the best possible insurance for your car is third party car insurance, then that's a sign that either you have a really lousy worthless vehicle or else you are crazy. I say that you are crazy, because if you have a car which is evaluated at a reasonable worth and is an asset then not to have comprehensive insurance and only third party insurance means you are taking a considerable risk. The only other possible explanations for your car insurance as third party is that you are simply a gambler and are willing to gamble that all will be well with your car. It all comes down to a very interesting psychological set up. If you consider that a person who takes out car insurance which is only third party and yet possesses an expensive vehicle then you are looking at a person with an interesting personality. If he gambles on this third party insurance and feels so safe about is a peculiar situation. That means that he sleeps well at night without worries and ulcers about having his car stolen or involved in an accident. He might be the best driver in the world but how can he or she ignore the fact that the other drivers are all competent drivers. You can see that car insurance is a key item for analyzing the state of people's minds. I'm not sure that any research has been carried out on such irregularities as mentioned above but it certainly is food for thought. The next time you go to take out car insurance, you have to weigh up rationally the value of the car and how much risk you are prepared to take with not taking out comprehensive car insurance.