There are many different offers for breakdown insurances which vary depending on the levels of cover. Most of them come with a roadside assistance as well as local recovery, but you can then add many other levels of cover to suit your needs such as home assistance, onward travel, European cover and national recovery. Not all of these levels of cover are always necessary though, which is why you should consider your driving habits as well as your mechanical knowledge and how reliant you are on your vehicle to contract only the levels of cover you are going to need. Is your vehicle a personal or a family one? You have two different possibilities when it comes to choosing your breakdown cover depending on whether your vehicle is used only by you or by someone else too. If you are the only person who uses it you can save money by contracting a vehicle-based policy, but if your vehicle is used by more people the best thing you could do is to purchase a family policy because, although it will be more expensive, you will make sure your insurance covers everything. Choose a small breakdown firm Many times people decide to go for the most popular brands when they want a product because they believe that if they are so popular it must be because they are the best. However, that isn't always the case. This is why you should check out some little-known breakdown firms and read their conditions to see if they suit your needs: they most probably will be more affordable than the most popular ones. Contract a pay and claim breakdown cover This might be a more affordable option which consists in paying the costs up front and then claiming the money back from your policy provider. Also, the annual fee in this type of breakdown cover may be lower than in other policies. Compare the prices of various breakdown covers Ultimately, the best thing you can do to try and save as much money as possible with your breakdown cover policy is to compare prices, particularly online, until you find the ideal one for you.