Compare more than the headline premium: check whether the policy covers accidental damage, theft, fire, storm damage and third-party property damage, and note any exclusions. Look at the excess, whether the car is insured for agreed or market value, and optional benefits such as a hire car, windscreen cover and roadside assistance. Quotes can vary based on factors including the driver’s age and claims history, where the car is kept, how it is used, its modifications and the chosen level of cover. Read the product disclosure statement and confirm the details with each insurer before buying.