Reading out numbers in English

What are the accepted guidelines for reading out numbers in English?

For example, should 1351 be read out as "one thousand and three hundred and fifty one", or should the "and"s be removed completely? Note that I'm not talking about years as I asked it in a separate question.

I heard people saying and with hundred only.

From wikipedia I got this info

When saying or writing out numbers, the British insert an and before the tens and units, as in one hundred and sixty-two or two thousand and three. In America it is considered correct to drop the and, as in one hundred sixty-two or two thousand three.

So 1351 will be read out as "One thousand three hundred and fifty one" in British English.

Think of it as a list of numbers with commas between them: One thousand, three hundred, and fifty one. Also, be careful not to put a plural 's' if the number is 200 or 2000 or greater. So you must say 'two hundred / thousand'. Same rule applies to millions and billions: 'Three million / billion.'

The quality/fidelity of the medium should also be taken into account.
Often when reading numbers over radio or a poor quality telephone line, the numbers are read out using only their digits, and 9 is often read as Niner, so that it can be more clearly distinguished apart from Five.