What Is a Comprehensive Deductible? Auto insurance is used to protect the owner of a vehicle from the costs associated with its replacement or repair due to vandalism, theft, accidents or collisions. Whenever a person must file a claim for comprehensive payment from an auto insurance company, the car owner typically must pay for a portion of the expenses, known as a deductible. Significance o Comprehensive deductibles are related to comprehensive auto insurance companies. Comprehensive auto insurance pays for damages or theft in which the insured is determined to be not at fault. Identification o The comprehensive deductible is an amount predetermined by the insurance company for claims and is disclosed in the insurance policy. Comprehensive deductibles typically range between $500 and $2,500. Calculations o When the amount of the claim is determined, the insurance company subtracts the comprehensive deductible from the amount. For example, if a $10,000 claim had a $500 deductible, the insurance company would pay for $9,500 of the repairs or replacement, and the car owner would be liable for the remaining $500. Benefits o Insurance companies assess comprehensive deductibles in an effort to keep costs down for the insurance company, which allows the company to charge lower premiums to customers. Considerations o In some cases, it is more advantageous to not file a claim. This is the case when the deductible is more than the cost of the repairs, which may be the case for a minor theft or a chip in a windshield.