If you don't have the coverage you think you should then shame on you! You need to be VERY specific of your coverage requirements when getting a price as they will keep it as cheap as they can to get another customer.
Cousin just tole me of how they just spent several hundred dollars on having a new windshield on a newer SUV installed. I said why not turn it on your comprehensive glass coverage. Blank look response! Then I told him it's cheap for $100 deductible. I them told him it only cost me $100 for a $1,500 OE RAM windshield. I'm thinking he called his agent the next day.