When comparing car insurance quotes, look beyond the price and read the policy wording, including the cover summary, exclusions and conditions. Check the compulsory and voluntary excesses, who can drive, permitted use, mileage limits, modifications, courtesy-car arrangements and whether windscreen, legal expenses or personal belongings are included. Make sure all information you provide is accurate, as incorrect details could affect a future claim or the policy terms. If anything remains unclear, ask the insurer or broker before buying and check that the provider is authorised by the Financial Conduct Authority.