The cost of comprehensive car insurance depends on factors such as your car’s make, model, age and value, where it is kept, how it is used, your driving and claims history, and the excess you choose. Premiums can also vary between insurers because each provider assesses risk differently and offers different cover options. To compare the likely cost, obtain quotes using accurate details and check inclusions, exclusions, limits and excesses—not just the headline premium. An insurer or licensed insurance adviser can explain how your circumstances affect the quote.