When comparing car insurance, look beyond the premium and check whether each policy offers comprehensive, third party property, or another level of cover that suits your needs. Compare the excess, agreed or market value, cover limits, exclusions, optional extras and how claims are handled. Read the Product Disclosure Statement (PDS) and check whether discounts or usage conditions could affect the price or cover. The most suitable policy will depend on your vehicle and circumstances, so confirm the details directly with the insurer before buying.