A good car insurance guide should explain the differences between comprehensive, third-party property and third-party fire and theft cover, including what each policy may exclude. Compare the sum insured, market or agreed value, excesses, optional benefits, claims process and limits for repairs, towing and personal items. Check that the listed drivers, address, vehicle use and modifications are accurate, as these details can affect cover and the premium. Read the policy wording and Product Disclosure Statement, and contact the insurer or a licensed adviser if you are unsure about the terms.