I get that. I have comprehensive too. But not at a $1000 deductible. I don't think you're getting that much of a savings having the deductible that high. Comprehensive claims are not at fault coverage for things such as theft, hail, and animal strikes. Any claims under comprehensive shouldn't affect your premiums all that much if at all.
That's why I said if you carried a $1000 deductible for collision...that I can understand depending on your driving/accident record, claims history, and where you primarily drive.
For my comprehensive coverage, I have a $100 deductible. My collision is $500. I bet if you contact your agent about lowering your deductible for comprehensive coverage, you'll find it's not going to be that much of an increase.
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