Car insurance rates are affected by age, gender, geographic location, driving record, type of car, how it is used (personal or commercial), the type of coverage required (comprehensive or liability), the driver's credit score, the number of previous insurance claims, the deductible amount the driver is willing to pay, and safety features in the vehicle such as anti-theft systems and airbags. These factors collectively determine the cost of insurance.

Comprehensive car insurance is a type of coverage that protects against damages caused by accidents, theft, natural disasters, animal collisions, and fire damage. This type of insurance provides a higher level of protection compared to liability insurance and is suitable for drivers who want to protect their vehicles from various risks.