Comprehensive car insurance costs vary between insurers and are generally influenced by your age, driving history, postcode, car model, annual kilometres and how the vehicle is used. Your chosen excess, agreed or market value, optional benefits and any discounts can also affect the premium. The final price is determined by each insurer after assessing your individual circumstances, so comparing several quotes can help. Check the policy’s Product Disclosure Statement (PDS) to confirm what is covered, excluded and payable if you make a claim.