Insurance comparison means reviewing policies side by side to assess both price and cover, rather than choosing the cheapest premium. Compare the type and level of cover, excess, limits, exclusions, optional benefits, claims process and whether the policy provides agreed or market value. Read the Product Disclosure Statement (PDS) and check that details such as your address, driving history or property use are accurate, as these can affect eligibility and premiums. Quotes and cover are ultimately determined by each insurer, so consider speaking with the insurer or a licensed insurance adviser if you are unsure.