When comparing car insurance on the Central Coast, consider whether comprehensive, third party property, or third party fire and theft cover suits your car and circumstances. Check the premium, excesses, agreed or market value, storm and flood cover, windscreen benefits, hire-car options and exclusions in each policy’s Product Disclosure Statement. Your suburb, parking arrangements, driving history, vehicle and annual kilometres can affect the price and acceptance decision. Remember that NSW CTP insurance is separate from cover for damage to your car or other property, so compare CTP through an authorised provider as well.