When comparing comprehensive car insurance quotes, look beyond the premium and check the level of cover, excesses, agreed or market value, and important exclusions. Consider whether the policy includes benefits such as a hire car after theft, emergency repairs, new-for-old replacement or cover for personal belongings. Quotes can vary based on factors including your car, driving history, address, annual kilometres and nominated drivers. Read the insurer’s Product Disclosure Statement and confirm details directly with the insurer before choosing a policy.