Let $\phi(x) = {1 \over x}$. Then for $x \neq 0$ we have
${\phi(x+h)-\phi(x) \over h} = - {1 \over x^2+xh}$, and we see that
$\lim_{h \to 0} {\phi(x+h)-\phi(x) \over h} = - {1 \over x^2}$, so $\phi$ is
differentiable.
Hence $(\phi \circ g)(x) = { 1\over g(x)}$ is differentiable by the chain rule, and so
${f(x) \over g(x)} = f(x) \cdot (\phi \circ g)(x) $ is differentiable by the
product rule.
For the product rule, if $f,g$ are differentiable at $x$, then
\begin{eqnarray}
{ f(x+h)g(x+h)-f(x)g(x) \over h} &=& { f(x+h)g(x+h)-f(x+h)g(x)+f(x+h)g(x)-f(x)g(x) \over h} \\
&=& f(x+h) { g(x+h)-g(x) \over h} + { f(x+h)-f(x) \over h} g(x) \\
\end{eqnarray}
Hence, since $f$ is continuous at $x$ we have
$\lim_{h \to 0} { f(x+h)g(x+h)-f(x)g(x) \over h} = f(x)g'(x)+f'(x)g(x)$.