Compare more than the premium: check the Product Disclosure Statement for cover limits, exclusions, optional extras and whether the policy uses agreed or market value. Make sure the excess, listed drivers, annual kilometres, vehicle use and security requirements suit your circumstances, and disclose information accurately to the insurer. Consider whether extras such as roadside assistance, hire-car cover or windscreen protection are worth the additional cost. Before buying or renewing, obtain quotes from several insurers and contact the provider if you are unsure how a term or claim condition applies.