A service contract quote is rarely built from one figure that applies to every car. Most providers run a pricing table, and that table sorts vehicles into groups before anything else gets added. The group your car lands in can move the starting point more than a change in coverage level does, so understand the sorting before you compare offers.
What the group usually reflects
Pricing tables tend to separate vehicles by make and model family, body style, drivetrain, engine type, and sometimes trim. A four-wheel drive version and a two-wheel drive version of the same model can sit in different groups. So can a hybrid and a gasoline version of one nameplate. Providers usually explain these splits in terms of how costly parts and labor are for a given vehicle and how often the provider expects to pay claims on it. Ask for that reasoning in writing rather than accepting a general statement.
Check the vehicle details on the quote
Read every vehicle field on the quote against the registration and the build record for your car. A wrong trim, engine, or drive setting can place the vehicle in the wrong group, and the figure on the page will reflect that error. Ask the seller to rerun the quote after you correct anything, and confirm that the corrected version is the one attached to the contract you sign.
Ask which group you are in and why
Put three questions to the provider or the seller. Which pricing group does my exact vehicle fall into? Does that group appear anywhere in the contract, or only in the quote system? What would move my vehicle to a different group? The third question matters because a change in model year, mileage, or trim may shift the group, and you want to know that before you agree to anything.
Where to find the published figures
This article explains the logic but does not give you the figures. The published comparison tables sit on the ranking page, and they list the terms each company prints. Use those tables to check whether a quote you received lines up with what a provider publishes. If you cannot tie a quote back to a published term, set it aside until the provider explains it in writing.