When comparing car insurance in Melbourne, check whether you need comprehensive, third-party property or third-party fire and theft cover, and compare limits, exclusions, excesses and agreed or market value. Your premium may be influenced by factors such as where the car is kept, how it is used, your driving history, the vehicle and your chosen excess. Melbourne drivers may also want to review cover for hail, storm damage, theft and windscreen claims. Read the product disclosure statement and confirm details with each insurer, as availability, prices and eligibility are determined by the provider.