Compare more than the premium: check whether the policy is comprehensive, third party property or another level of cover, and review the excess, exclusions and limits. For comprehensive cover, see whether the insurer uses agreed or market value and what is included for theft, storm damage, towing and temporary replacement vehicles. Quotes can vary based on your car, location, driving history, nominated drivers and how the vehicle is used, so provide accurate details and compare like-for-like options. The final price and cover depend on the insurer’s assessment, so read the Product Disclosure Statement and contact the insurer if anything is unclear.