Comprehensive is good to have if you need an expensive windshield like a Rover (some models have heated windshields that are crazy expensive) or if you have one that is nearly vertical and is prone to frequent replacement like a Jeep or in my case, an FJ Cruiser.

An extra $480 a years seems excessive. Time to shop your insurance.

You need to find an independent agent. They can shop a dozen companies at once. State Farm, Farmers, Allstate are all captive- meaning they can only sell their company's product.

My brother in law has been an independent agent since 2008 after jumping from Farmers. He now has a large agency and would be happy to shop for anyone. No cost or obligation. He's not the guy that will call or spam you. If he can help, great. If not, we can try again in the future.

PM me if anyone wants his contact info.