A car insurance quote usually reflects factors such as your age, driving history, location, annual mileage, occupation, vehicle, how it is used and the level of cover selected. The price may also include Insurance Premium Tax, while optional extras such as breakdown cover, legal expenses or a courtesy car can increase the total. Your chosen excess can affect the quote too, although a higher excess means you may pay more towards a claim. Insurers assess these details differently, so compare the policy terms and total price rather than focusing only on the headline premium.