lowest third party car insurance: quick picks and reality checks

Back again, chasing the lowest third party car insurance after a jumpy renewal; I clipped a mirror in a tight bay last winter - liability-only saved my weekend. I'm comparing cheap third party car insurance and third party car insurance quotes (and yes, I've heard the 'too cheap to be good' warning).

Today's offers vs. expectation

• Offers: new-customer discounts, limited-mileage deals, pay-in-full breaks.
• Expectation: third party liability only; my own dents aren't covered.

What I'm doing now

1. Compare third party car insurance across three providers plus a broker.
2. Sort by total yearly cost, not headline monthly; check excess and claim fees.
3. Filter for best third party car insurance for new drivers if adding my nephew.

If it stays close, I renew; if not, I switch - simple, no drama.