When you compare car insurance, start by deciding whether comprehensive, third party property damage, or another level of cover suits your car and budget. Check the premium alongside the excess, agreed or market value, inclusions, exclusions, optional extras and any limits on repairs or rental cars. Make sure the policy covers how you use the vehicle, such as commuting, business driving or listed drivers, and read the PDS before buying. Prices and eligibility vary between insurers, so obtain quotes directly or through a licensed insurance adviser and confirm the details with the insurer.