Will a second comprehensive claim affect your car insurance rates?
Filing multiple insurance claims — regardless of type — may lead to more expensive auto insurance premiums. However, filing multiple comprehensive claims typically won’t raise your premium as much as will filing multiple collision claims. Filing two comprehensive claims will raise insurance premiums by an average of $60 per six-month period. Find out which insurance company raises premiums the least after a second comprehensive claim.
Unlike collision coverage, which protects your vehicle if you are involved in a collision with another car, comprehensive coverage insures your vehicle against damage caused by:
Comprehensive will not offer protection for the following losses or damages:
If you’d like more information on what is covered by collision and comprehensive insurance, see below:
Having two comprehensive claims raises insurance rates by $60 over a standard six-month policy (methodology). USAA offers the cheapest rates in this scenario, at $523 per six-month term.
Because you must be a military member or be related to military personnel to qualify, USAA is not for everyone. If that’s the case for you, consider Nationwide and GEICO as alternatives.
This data reflects rates for a single 30-year-old male driver with two comprehensive claims. In order to get a based on your driving profile, enter your ZIP below.
The consequences after your second comprehensive claim will vary significantly. If $60 is a larger price hike than you'd like to pay, consider the solutions outlined below to save on your insurance policy.
If you’ve already filed two claims with your current provider, you need to be an especially cautious driver. Many insurance companies will cancel or non-renew your policy if you’ve filed more than three claims in a three-year period. To avoid any issues with your current provider, consider these alternatives.
For more guidance on whether to file a claim, see our guidehere.
If your vehicle is worth less than $4,000, you do not need comprehensive or collision coverage. The claims payout your would receive won't offset the premium you'd need to pay in the event of a collision.
You can determine the value of your vehicle by using Kelley Blue Book and NADA Online. If your vehicle is valued at more than $4,000 but you still need to lower your premium. Consider raising your deductible. Because your premium and your deductible are inversely related, you lower your premium by raising your deductible.
If you’re a safe driver, a telematics-based policy can be a good way to lower your insurance costs. Telematics use in-car and mobile apps to monitor the way you drive to offer you a discount on your car insurance policy. Usage-based insurance policies take into account the following factors:
Average of $130
Average of 10-25%
State Farm Drive Safe & Save
Up to 15%
Up to 40%
Liberty Mutual RightTrack
Average of 5-30%
For more information on telematics, seehere.
You shouldn’t stay with a company simply because they offer you a discount. However, they can be helpful for slightly lowering your premium. Below are some common discounts.
If you’re looking for additional information, see our related content: