Here are a few steps to take in order to compare the best car insurance quotes:

1. Know what's covered and what's not. Comprehensive car insurance policies offer cover for accidents, fire and theft. They also cover natural events (such as flood or hail), malicious damage and vandalism.

2. Work out what's going to be your best premium. Other than by shopping around, there are a number of ways to save on the premium: excess, no claim bonus, restricted drivers, discounts.

3. What do they offer in you car insurance policy in regard to accidents and repairs? If you have an accident, let the insurance company know immediately. Most have a 24-hour hotline that can also help you organise towing or lodging a claim.

4. Protect your car from theft and lower the premium at the same time. Check on car theft hotspots and prevent your car being stolen.

Caution! An insurance company can deny you cover if you didn't answer questions properly, gave wrong information when you bought or renewed the policy or your circumstances changed between renewals and you didn't let them know.

Finally compare car insurance quotes on Used Car Market Value and Agreed Value, Market Value, the car's value decreases as the value or condition of the car decreases. The value is determined by the insurer at the time of a claim.

An Agreed Value policy allows you and the insurer to agree on a value of the car that's fixed until the next renewal.

Auto policies are usually comprised of three parts: Collision coverage covers the cost of repairs to your car after an accident. Choose an amount of collision coverage that reflects the value of your car. If your car is old or has little value, you may even want to drop the collision part of your policy.

Comprehensive coverage covers damage to your car from random acts like fire, theft, hail and vandalism. This part of the policy is usually the cheapest and should be based on the value of the car. Remember that insurance companies will not pay more than the car is worth.

So for cheap car insurance do your homework and reap the benefits!