The cost of comprehensive car insurance varies widely depending on your car, age and driving history, location, how you use the vehicle, and your chosen excess. The insurer may also consider the car’s agreed or market value, security features, optional benefits and previous claims when calculating a premium. Comparing quotes can help, but check each policy’s Product Disclosure Statement (PDS) because a cheaper premium may come with a higher excess or fewer inclusions. The final price and cover are determined by the insurer based on your individual circumstances.