The cost of comprehensive coverage depends largely on the deductible amount, which commonly ranges from $250 to $1,000. A higher deductible means that the driver will have to cover more of any damages before the insurance coverage kicks in, but also lowers the overall premium. Increasing the deductible from $200 to $500, for instance, can reduce premiums by 15 to 30 percent [source: Kiplinger]. Of course, a person who opts for a higher deductible will want to be sure that he or she can pay it in the event that the car is damaged and should weigh upfront premium savings against a higher deductible on the back end.
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