Car insurance cost depends on factors including your age, driving history, postcode, vehicle type, annual kilometres, cover level and chosen excess. Comprehensive cover generally offers broader protection than third party cover, but the premium and benefits vary between insurers and individual circumstances. Request quotes from several providers, compare limits, exclusions, inclusions and excesses, and read the Product Disclosure Statement before choosing. An insurer ultimately decides your premium and cover terms, so consider checking ASIC’s MoneySmart guidance or speaking with the provider if you are unsure.