Choose from three levels of cover – roadside assistance, roadside assistance and recovery or roadside, recovery and home start.

It’s often cheaper to buy your breakdown cover separately from your car insurance, so make sure you’re getting value for money by comparing it on its own.

If your car’s damaged because of an accident, your insurer can provide a courtesy car while it’s being repaired.

You’ll have to use one of its approved repairers and check for exclusions.

Legal assistance helps you claim from the person responsible if you’re involved in an accident and it’s not your fault.

It’ll also help to pay to defend a claim brought against you.

If you lose your keys, or they get stolen, lost key cover can help with the cost of replacing them.

Getting high-tech keys replaced can easily run to hundreds of pounds

Covers the costs of draining and cleaning your tank if you’ve put in the wrong type of fuel.

It probably won’t cover the costs of damage to your engine if you drive away.

For every year you drive claim-free, you’ll get a discount on your car insurance.

It’s valuable and has such an impact on the price of your insurance that you can protect it. That way, if you need to claim, it won’t reduce your no claims history.

Personal accident cover compensates you for injuries caused by a car accident.

The claim limit varies between insurers, and other drivers and passengers are sometimes covered too.

You’d only claim on personal accident cover if the accident is your fault. That’s because if an accident isn’t your fault, the at-fault person’s insurer will pay out for any personal injury claims.

Covers the repair of chips and cracks to your car’s windscreen – sometimes it’s a free extra.

It can also cover the replacement of your windscreen if it can’t be repaired, but you might have to pay an excess.

You need to be accurate and honest when you declare your annual mileage to get car insurance quotes. 

Put in a mileage that’s too low and you risk invalidating your cover, which could cause problems if you need to make a claim. 

But if you put a higher mileage than you actually drive, you risk paying too much. 

According to our research, car insurance is 13% cheaper if your mileage is 9,000 a year compared to 10,000.

You can check your past MOT certificates to see how many miles you’ve driven previously. Or try our mileage calculator.

^*Average price paid annually for comprehensive car insurance (from all purchases) where the mileage is:

• 6,000 miles – £537.84
• 8,000 miles – £545.61
• 10,000 miles – £574.66

The impact of your job title on how much your car insurance costs relates to risk factors. So if your job is seen as higher risk by insurers, this is reflected in your premiums. Don’t change your job title to try to reduce the price of your quotes, unless the alternative title genuinely describes your job accurately. Always be honest – if you lie you could invalidate your cover.

The Financial Conduct Authority (FCA) has introduced new rules to make car insurance pricing fairer for existing customers. The new rules mean that insurers must offer the same price to both new and existing customers. Find out more.

When you get a quote, we’ll help you by estimating what your car’s worth based on its age and mileage – but you can change it if it doesn’t seem right. There are tools online that can help you work out your car’s value. Always give an honest valuation. A ballpark estimate’s okay because insurer’s usually pay out based on average market value.

Use our annual mileage calculator to help work out your annual mileage. It’ll give you a general idea of your mileage, then you can add a bit more if you need to for irregular journeys and extras, like long driving trips for holidays.

Your annual mileage should be the total mileage for the car, so you need to include miles for all drivers who use it.

You want to get this right – it makes a big difference to the price you’ll pay for your insurance. Overestimate your mileage and you’ll end up paying too much. Underestimate and you could invalidate your policy.

If you’ve had your car for over a year and you drive in a regular pattern, you can look at previous MOT certificates or service records to work it out.