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Car Insurance: What are premiums, legal fees and voluntary excess?

I have been trying to get car insurance quotes online but I dont understand what the above terms mean Also if my road tax (UK) is not due for renewal till thursday can i buy it today? Will they adjust the date for me. Any help will be appreciated Thank you for your time

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1. Premiums: What you pay for the insurance. Legal fees: Insurance companies will pay your legal fees if you are sued over an accident. Some policies may offer extra cover for other legal fees, such as defending a traffic citation by the police. Voluntary Excess: Amount of damages you pay out-of-pocket. For example, if you have £500 Voluntary Excess and are involved in an accident, you pay the first £500 and the insurance company picks up the tab at that point. The higher your VE, the lower your premiums. Road tax always expires on the last day of the month. You can renew any time during the month. If you do it by mail or on line, you'd best do it TODAY or you may not have it by Friday when you MUST display the new disc. You can renew at any Post Office and they'll issue the new disc on the spot. The new disc will expire one year from the expiry of the old one, or 31.07.2009 in your case if you get a 12 month disc.