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Do comprehensive claims raise rates?
My car has been vandalized twice in the past month, although I’m not sure if it’s because thieves were unsuccessful at stealing it or someone just decided to be a jerk. Either way, I need to make a comprehensive claim. Will making a comprehensive claim cause my rate to increase?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Filing a comprehensive claim is sure to raise your rate, although it probably won’t raise your rate as much as a
collision coverage
claim or a liability coverage claim
.Comprehensive claims are unrelated to your driving, which is why they raise the rate less. As such, it’s out of your hands and you’ll see a small increase—but nothing too massive.
In the off-chance that your
car insurance
rates increase drastically from filing a comprehensive claim, shop around on the Jerry
app to find a better rate for the coverage you need.Jerry is a
trustworthy super app
and insurance comparison tool that collects quotes from over 55 top-rated insurers in just 45 seconds. After you find a great rate, Jerry can help you buy new insurance and cancel your old policy. Users save an average of $800+ per year.View full answer
- Gregory R.
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