Compare the level of cover first: comprehensive, third party property, and third party fire and theft protect you in different ways. Check the policy’s excess, agreed or market value, exclusions, driver limits, repair arrangements and whether hire-car cover is included. Premiums can vary based on factors such as the car, location, driving history, age and how the vehicle is used, so compare quotes on a like-for-like basis. Read the Product Disclosure Statement and confirm details with the insurer before buying, as the provider decides the final price and cover.