For me, the definition of good insurance consist of

1. Fast/easy approval on claim
2. Accept by majority workshop

as what i know, Alliance, Tokyo marine and  another 2 company (i forget the name) are quite prefer by most workshop.

Try avoid jerneh, when you got accident, very hard to find workshop to do jerneh claim

Usually yes, because you can't renew your road tax until you have renewed your car insurance.

Market Value
Purchasing your Motor Insurance on Market Value would be like the name itself, paid upon the most current market value of your car.
Take for example:
My car is worth 100k now. So I buy the insurance on the current market value at 100k.
At the end of the year, I get into an accident and experience a total lost. I want to claim my car insurance.
At the same time, my car is now only worth 75k on average in the market. Insurance will also pay at the market value and that is 75k.

Agreed Value
Purchasing your Motor Insurance on Agreed Value would be more straight forward. However, I will be insuring my car at a higher value.
Take for example:
My car is worth 100k now. The Agreed Value given to my car is 107k, at a slightly higher premium. So I insure my car for 107k.
At the end of the year, I get into an accident and experience a total lost. I want to claim my car insurance.
At the same time, my car is now only worth 75k on average in the market. Fortunately for me, I insured my car at an agreed value of 107k. So the insurance will pay at the Agreed Value of 107k.

Floor Limit would generally mean the minimum amount to insure.
This is usually at RM10,000, for cars valued below RM10,000.

Usually none of my customers reach floor limit yet...
Floor limit - market value. It's a minimum to even quote anything otherwise the insurance company actually lose money from just taking your business. The moment you sign, they lose money just to process your file. 
No such thing. All still pay with Ringgit. 

I have AXA (3rd party) , excellent towing service, tow a few times a year due to old car. All paid by AXA, wonder what is your issues .....

I would recommend AXA due to free towing and 3rd party coverage.

So those insurance renewal online is Kurnia only plus 10% discount also at branch office.
Etika also 10% discount at branch but online renewal, free towing ?

Not all company give free towing, some say 24 hours hotline, but not free towing. AXA provides 3rd party but free towing included.
Insurance agencies should have it. My insurance agency says its the cheapest and no need PA.
I recently cancelled the insurance as i have sold of the old car and the refund process takes more than a month.

Only need geran will do. In case of Kurnia branch renewal , need photocopy of IC.
AXA, Kurnia free towing limited distance around 50km not included toll charges. If pay extra insurance charges, for towing I believe around 600km roundtrip. So far, tried towing 3 or 4 times per year still no problem. Kurnia, once I tow back home during night. Next day request tow to workshop still free.

Accident towing, this one a bit complicated. Why need pay workshop for additional towing ? If involved in accident, call insurance company to request for towing, usually tow truck wil be around, can request insurance company to allow the onsite tow truck service. Usually before allowing towing at accident site, make sure negotiate every details with tow truck before allowing towing. In one case, I refused the onsite tow truck services. In another case, I was practically threatened by the onsite police officers to allow the onsite tow truck to tow. One must know ones right in all scenarios. In my case I told the police that if they want, they can tow but I am not paying.

For me I wont pay, as not my problem. All insurance company clause stated 1 trip only. For that particular accident case, its not your problem as the tow truck should tow and leave it at the police station and then after all procces has been completed , tow it to your workshop.

Here I would like to info a bit, do not allow the tow trucks to dealt with two parties of the accident. 99% of the time , they will claim own damages so will lose NCB. If at fault then no problem.

Usually upon renewing/purchasing your car insurance, you should be receiving a car sticker (transparent road tax protector film) with some info behind it for the driver/passenger to see such as a roadside assistance hotline.

Any towing service or roadside assistance is all through that hotline.
Any other tow truck that magically appears in a matter of minutes/seconds, we call them scavengers. Don't entertain them. Wait for your service provider to arrive.

In an accident involving another vehicle or loss/theft, please call the agent to help you taichi with the police report.
We practice every day.

Nowadays different not much only. I used to have a 22 year old car insuring at 1st party Comprehensive.

nowadays still got 3rd party insurance meh? 

nowadays still got 3rd party insurance meh?