Adjust your comprehensive car insurance policy to fit your needs
Some policies will insure your vehicle for its actual cash value rather than for the replacement cost. That reflects the current value of the vehicle, not what you paid for it. In some states, you can purchase extra coverage, such as gap coverage, new car replacement coverage or vehicle value upgrade. These coverages offer extra protection for newer cars.
Comprehensive insurance limits
You have more options when selecting your comprehensive coverage deductible amount, which is the amount of money you pay before insurance kicks in. To lower your comprehensive coverage rate, you can choose to have a high deductible, such as $1,000. However, you need to make sure you can pay that amount out of pocket if you file a claim. A lower deductible might increase your rate, but it will cover more of your costs in the event of a covered accident.