Looking for motor insurance is often frustrating and slow but a necessary evil as we are legally required to insure any car we want to drive. It is however worth taking the time to shop around as the difference between motor insurance quotes can be in hundreds.

For a more detailed look at motor insurance visit the motor insurance 365 consumer information site.

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You can't start getting quotes until you have decided on what type of cover you want.

• 3rd party cover - The most basic level of motor insurance that only covers any damage to other cars when you are responsible for an accident. It doesn't cover you if your car is stolen or involved in a fire. 3rd party only is most suited to drivers with cars that aren’t very valuable as its often cheaper to replace the car.
• 3rd party fire & theft - The same as above expect your car is insured if its stolen or involved in a fire.
• Fully comprehensive - The most expensive level of insurance, covering you in the event of accidental damage to your car and often provides personal accident benefits. Fully comprehensive is defiantly advisable if your car has any real value attached to it.

The price you pay for motor insurance is dependent on your circumstances, which means you can often lower your premiums. Check out the simple checklist to see how you might help bring down your car insurance quote.

• Safe Driving - Car insurance companies often offer further discounts for drivers with further driving certificates such as advanced and pass plus qualifications.
• Security - The safer the car the less likely it will be stolen, so ask the insurer what safety devices will reduce the premium. Alarms, garage parking, drive way parking and immobilisers are some of the typical security features can help reduce your car insurance.
• Who & How you use the car - If you don’t use your car to commute then make sure your insurers know about it, low annual mileage equals a low premium. And remember to remove any unnecessary drivers off the policy.
• Car size - The size of the engine has a big impact on your car insurance costs so if possible go for the smaller engine size.

The best and only real way to find the lowest quote is to shop around. Lots of companies promise to do the searching for you, but they aren't always the cheapest so make sure you get several quotes. We have compiled a directory of the leading car insurance companies, so its easier for you to get quotes.