Services that insurers may offer are:

1. Immediate authorisation of repairs.

2. Free courtesy car if your car is being fixed by a repairer on their recommended list.

3. A 24/7 hours claims helpline.

4. Medical expenses cover.

5. Personal belongings or clothing cover.

6. Lifetime guarantee on all bodywork and paintwork repairs.

7. Cover for in-car audio equipment.

8. Free helplines for medical and legal advice.

When searching for quotes, have your car registration details to hand. The car reg number is necessary to get a policy premium quotation. It's best to do it over the telephone or through a live agent when searching just for a provisional quote on spec before actually buying a car.

Accidents are common but what about car theft and attempted break-ins?

So, car crime is fairly common and getting insurance is a smart move as well as a legal requirement.

With getting quotes online, consumers can save and complete their applications at their convenience. They don't need to do it one go and have a salesman standing over them. A single application can cover several quotes, so one doesn't have to worry about related costs and wasting one's time.

One way to save money is to improve your motor's safety features and keep up-to-date on the maintenance.

You qualify for a no-claims bonus if you have made no claims on your insurance policy on your car for one full calendar year. You can also switch to another insurer if you find they offer better terms or a reduced premium.