When comparing car insurance in Melbourne, check whether you need comprehensive cover, third party property damage, or a different level of protection for your car’s age and value. Premiums can be influenced by factors such as your suburb, where the car is parked, annual kilometres, driver history, excess and the vehicle itself. In Victoria, the TAC charge included with registration generally covers transport accident injuries, but it does not cover damage to your car or other property. Compare policy limits, exclusions and repair options, and confirm the final price and terms with each insurer.