Which coverage is likely to contribute to higher premium costs due to its broader scope of protection?

Comprehensive coverage is the correct choice because it provides a wide range of protection beyond just collision-related incidents. This type of coverage protects against various risks, including theft, vandalism, natural disasters, and damage from animals, in addition to incidents that may occur outside of a typical driving scenario. Because of its extensive scope, comprehensive coverage tends to be more expensive compared to other types of insurance.

Liability coverage, while essential, only covers damages you may cause to another person's property or injury to other individuals, which limits its potential for higher premiums as compared to comprehensive coverage. Collision coverage, on the other hand, specifically addresses damage to your own vehicle resulting from an accident regardless of fault but does not offer the broader protection that comprehensive does. Uninsured motorist coverage is designed to protect you if involved in an accident with someone who doesn't have insurance, providing a narrower scope of protection relative to comprehensive coverage. As such, comprehensive coverage typically leads to higher premium costs due to its all-encompassing nature of safeguarding against a variety of risks.