When comparing car insurance in 2026, look beyond the advertised premium and check the Product Disclosure Statement (PDS) for cover limits, exclusions, excesses and claim conditions. Consider whether agreed value or market value suits your car, and remember compulsory third party (CTP) insurance is separate from comprehensive or third party property cover. You can ask insurers about available discounts, adjust optional benefits and compare quotes using the same driver, vehicle and usage details. Your premium and eligibility will depend on your circumstances and the insurer’s assessment, so contact the provider or a licensed insurance adviser before deciding.