Amasi &  others knowledgeable people

seeing a few posts about the car issues, i though i''d take the opportunity to ask (remembering this is hth)
I am looking for information on where/how to get the Market value of my car, used the internet tools but dont fully trust them. due to financial troubles i am looking for a cheaper insurance. cheaper quote i have is at Market value, but i don''t know if it will be wise to go for that (retail or market), I currently owe the bank 60k, and drive 2006 polo, trendline (sedan) with about 130 000 km, full service history. i will not have extra cash should anything happen.

please advise,thx