Compare the cover type first: comprehensive insurance generally covers damage to your car as well as damage you cause to others, while third party property cover is more limited. Check the policy’s exclusions, excess, agreed or market value, rental-car options and limits for personal belongings or modifications. Your premium may depend on factors such as the car, where it is kept, how it is used, your driving history and chosen excess, with the insurer deciding the final price. Read the Product Disclosure Statement and ask the insurer questions if anything is unclear.