The best place to get a quote is online, with literally hundreds of companies all vying for your custom. All this competition means that you should be able to get a good deal whether you drive a Polo or a Porsche, and if you've customised it with specialist tyres or any other features. It's also worth looking out for special deal sweeteners that many of the insurers offer. For example, Kwik Fit Insurance offer 10% off at Kwik Fit repair centres when you take out car insurance with them online, this is very useful come MOT time or if you have an accident.

Whatever you choose, always make sure you test-run each site, checking out what kind of quotes each company can provide you with. One of the benefits of internet insurance companies is that administration and call centre costs are dramatically reduced, saving you time, money and saving on paper. If the internet does get too frustrating, however, do not be afraid to talk to someone face to face or over the phone before making a decision.

A good area to focus on is breakdown cover. This is one of the simplest and should be one of the most straightforward areas of car insurance. Most drivers have had to endure their car giving out on the road at some point: and it is better to be safe than sorry, as anyone who has spent 4 hours waiting on the hard shoulder of the M50 will tell you. It is especially essential if you are insuring a car with several named drivers, or a car which regularly travels large distances.

So, make sure you don't forget it once you have dealt with your premiums and discounts. Breakdowns happen to all of us, and unlike other scrapes and accidents, they usually have nothing to do with how well you drive. Whilst a few bumps in your younger years might add hundreds onto your car insurance, regular breakdown cover usually comes at the extra cost of a pound or two a week. So should the unexpected happen, you won't be charged. With the right amount of research now, you can find an insurance company that can make these little slip-ups easily resolvable.