When you compare car insurance, check the type of cover offered, such as comprehensive, third party property damage or third party fire and theft. Compare premiums alongside the excess, agreed or market value, limits, exclusions and optional extras, because the cheapest policy may not provide the cover you need. Read the insurer’s Product Disclosure Statement (PDS) and check how modifications, drivers, roadside assistance and temporary replacement cars are treated. Your final premium and eligibility will depend on your circumstances and the insurer’s assessment, so confirm the details directly with the provider.