The factors that typically lead to the highest auto insurance premiums can vary and are contingent on various considerations. Generally, certain demographics and characteristics tend to be associated with higher insurance premiums. Young and inexperienced drivers, particularly those under the age of 25, often face elevated insurance costs due to the statistical likelihood of being involved in accidents. Poor driving records, marked by traffic violations or accidents, can significantly contribute to increased premiums as insurers perceive a higher risk associated with such drivers.

Moreover, the type of vehicle owned plays a role in determining premiums. Luxury or high-performance cars are often more expensive to repair or replace, leading to higher insurance costs. Residing in high-crime or urban areas may also result in elevated premiums due to the increased risk of theft or accidents in such locations. Additionally, individuals with lower credit scores may experience higher insurance rates, as creditworthiness is sometimes factored into premium calculations.

Young male drivers are often charged higher premiums compared to their female counterparts of the same age, reflecting statistical data indicating a higher risk profile for this demographic. Opting for low deductibles and comprehensive coverage, while providing more extensive protection, can also lead to higher premiums. It's important to note that these factors can vary among insurance providers, and discounts or mitigating factors, such as maintaining a good driving record or bundling insurance policies, may help reduce overall premium costs for policyholders.

To cover the cost of replacing a car window, comprehensive auto insurance is the relevant coverage. Comprehensive coverage is designed to protect against damages to a vehicle that are not caused by a collision. This includes incidents such as theft, vandalism, natural disasters, and broken windows or windshields. If your car's window is damaged or shattered due to a hailstorm, a falling tree branch, vandalism, or any other covered peril, comprehensive coverage should help cover the costs of repair or replacement.

It's important to note that comprehensive coverage typically comes with a deductible, which is the amount you must pay out of pocket before the insurance coverage kicks in. The specific terms and coverage limits can vary depending on the insurance policy, so it's crucial to review the policy details to understand the extent of coverage and any applicable deductibles.

If you only have basic liability insurance, which is required in most states but does not cover damages to your own vehicle, you would need to have comprehensive coverage in place to file a claim for a broken or damaged window. Adding comprehensive coverage to your auto insurance policy provides a broader scope of protection, helping you address various non-collision-related damages, including the cost of repairing or replacing windows.