When making a comprehensive car insurance comparison, look beyond the premium and check cover for accidental damage, theft, fire, weather events and damage to other vehicles or property. Compare the excess, agreed or market value, limits, optional extras, exclusions and whether a replacement car or roadside assistance is included. Read the insurer’s Product Disclosure Statement (PDS) and check how factors such as your vehicle, address, driving history and usage affect each quote. The insurer ultimately decides the price and cover available, so confirm the details directly before buying.