My mom told me that she needed cheap car insurance on a beater that she bought. She drives a luxury car and noticed that there were little dings in it from other people bumping into her doors at her work where the parking spaces are close together. The spaces are so close that she said that a beater would be good to drive just to work. I explained to her that she did not have to have full coverage on her car, she only had to have the state minimums so that she had the basic coverage for any type of liability should she be at fault for the accident. Full coverage included comprehensive. You should have have comprehensive coverage on a car that is really not worth it. Sometimes when you pay for comprehensive you actually pay more in the insurance premium than what the car is worth.