A comprehensive car insurance comparison should look beyond the premium and check cover for accidental damage, theft, fire, weather events and damage to other vehicles or property. Compare agreed value with market value, standard and optional excesses, hire-car and roadside-assistance benefits, and exclusions such as unlisted drivers or business use. Check whether new-car replacement, personal items and windscreen cover are included, and read the policy’s Product Disclosure Statement (PDS) carefully. Your final price and eligibility will depend on your circumstances and the insurer, so request quotes directly and consider speaking with a licensed insurance professional.