Many factors play into insurance premiums for motorcycle insurance.  Some of these factors are your age, driving record and the location where the cycle is garaged.

Also included in the rating are such things as credits for "bike training" defensive driving courses, mature driver and if you belong to a motorcycle club or organization.

Premiums are based on liability coverage, medical coverage, PIP coverage, uninsured motorist coverage and type of comprehensive and collision deductible chosen.

Collision coverage is where one has an at-fault accident and/or a questionable accident.  The insured pays his deductible and the insurance company pays the balance to make the cycle whole.

Comprehensive coverage is any other claim except collision.  Such as vandelism, fire, theft, flood and fallen debris.

In short, comprehensive is any damages done to your cycle other than collision.  Again, collision is an at fault accident or questionable accident.