When comparing car insurance in Sydney, look beyond the premium and check the level of cover, excess, exclusions, agreed or market value, and optional benefits such as roadside assistance. Insurers may consider factors including your suburb, where the car is parked, annual kilometres, driving history, vehicle type and how the car is used. Obtaining quotes from several insurers can help you compare prices and policy features, but the final premium and eligibility are determined by each insurer. Read the Product Disclosure Statement and contact the insurer or a licensed adviser if you are unsure about the cover.