Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 13, 2020

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Key takeaways...

  • Liability coverage is required in every state
  • A male at age 20 will be offered a completely different quote than a female at age 45
  • Car insurance companies will want to know about the type of vehicle that is to be insured

Comprehensive car insurance quotes are very easy to find if drivers do a comparison search online. But people rarely search for comprehensive car insurance by itself, so they will also be purchasing other types of insurance.

Furthermore, comprehensive coverage is an optional form of insurance that people are not required to buy.

On the other hand, drivers in every state are required to purchase liability coverage.

This insurance is meant to cover the bodily injuries and property damage that drivers cause when they are the at-fault drivers in a car collision; this insurance does not cover anything for the policyholder’s vehicle.

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Table of Contents

Information Needed For Comprehensive Car Insurance Quotes

A website dedicated to seeking comprehensive car insurance quotes for their clients asks for some information about the driver and their vehicles.

Some of what people will be asked for includes:

  • Name
  • Address
  • Age
  • Gender
  • Marital status

Insurance companies request the information above because they will base their comprehensive car insurance quotes on who their potential clients are.

For example, a male at age 20 will be offered a completely different quote than a female at age 45.

Statistically, insurance companies know that a male under the age of 25 belongs to a demographic that has the highest instances of car accidents.

They also know that women have much fewer accidents and have fewer deaths due to car accidents. For this reason, the women are seen as a better risk than the young males are.

Insurance companies will not just ask for demographic information; they will also want to know how the vehicle will be used.

Some of the facts needed are:

  • The number of miles their clients drives throughout the year
  • The zip code of the cities they drive in the most
  • Where they are parking the vehicle at night (the garage or on the street)

A car that is being driven several miles a day will present a greater risk for an insurance company because it has more time to potentially be involved in a car collision.

Those who commute to work for more than an hour each way will be quoted a higher rate because of the greater risk for the insurance company.

Those who drive fewer miles will be quoted a lower rate for the lower risk they present to the company and they also qualify for the low-mileage discount.

Car insurance companies will want to know about the type of vehicle that is to be insured.

More expensive vehicles are more costly to repair; if the car cannot be replaced, the insurance company will be obligated to pay the car’s owner the current market value for it.

This will be much more expensive for a sports car than it will be for a Hyundai.

Therefore, auto insurance quotes offer the lowest premiums to vehicles that will cost them less to repair or replace.

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What Comprehensive Insurance Covers

Insurance companies are highly concerned with how much it costs to repair and replace a vehicle because of what comprehensive insurance covers which are things that can damage a vehicle other than being involved in a car collision.

Comprehensive car insurance coverage pays to repair or replace a vehicle that has been:

  • Stolen
  • Damage due to a flood
  • Damage due to a fire
  • Damage caused by animals

The vehicles covered by comprehensive insurance are the policyholder’s own vehicle and sometimes other vehicles that the policyholder drives.

Collision Coverage an Option

The other type of optional insurance that people may find advantageous to have is collision coverage.

Comprehensive coverage will cover damages to a vehicle that was received in another way other than a car accident, but anybody who is driving on the roads can be involved in a car collision.

Collision coverage will pay to repair the vehicle after it has hit another vehicle or an object such as a light pole.

Lowering the Price of Optional Insurance

Offering to pay a higher deductible lowers people’s comprehensive car insurance quotes.

The deductible is the amount of money that drivers agree to pay before the auto insurance company’s obligation to pay begins.

For example, the deductible may be set at $1,000. A vehicle that has been damaged may require repairs that will cost $1,200.

The driver will pay $1,000 and the insurance company will take over the remainder which is $200.

If the deductible is $250, the insurance company will be required to pay $950 which raises its risk. A lower risk means lower premiums for the car owner.

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Comparison Shopping Is Free and Easy

Insurance companies need a lot of information before they will offer people comprehensive car insurance quotes, but when people utilize a comparison website, they do not have to enter this information over and over again.

They will enter their facts once and the comparison website takes it to several insurance companies.

Don’t wait on saving money! Enter your zip code below and compare car insurance quotes for FREE!

References:

  1. https://www.21st.com/
  2. http://asirt.org/initiatives/informing-road-users/road-safety-facts/road-crash-statistics
  3. https://www.esurance.com/
  4. https://www.hyundaiusa.com/
  5. https://www.thebalance.com/do-i-need-comprehensive-coverage-527432
  6. https://www.allstate.com/tools-and-resources/car-insurance/what-is-comprehensive-auto-insurance.aspx