Bongo Fury

I have been with 2gether insurance for the last year. I had an accident in 2014 to take into account. First quote was £285.99 with and extra £63.75 for breakdown cover. I rang A- plan they quoted £185.04 with £39.95 breakdown cover. I got back to 2gether as they suggested they could come down to any lower quote i had. They got it down to £183.03 for insurance.....oops I forgot to try and get the breakdown cover lower.
I go back to Aplan to see what they can do ...now down to £181.34 for insurance, so over a hundred pounds saving on first quote and breakdown a lot less too. How can A-plan be so much cheaper on break down I am wondering?

Check the level of breakdown cover I'd suggest (do they have different response times, which agents do they use etc etc)