When comparing car insurance on the Gold Coast, look beyond the premium and check whether the policy covers storm, flood, hail, theft and damage caused by falling branches. Compare comprehensive, third-party property and third-party fire and theft options, along with excesses, agreed or market value, choice of repairer and hire-car benefits. Your address, parking arrangements, driving history, vehicle and annual kilometres can all affect the price and available cover. Read the Product Disclosure Statement and confirm the details with each insurer before choosing a policy.