Deductibles

Car Insurance Deductible Guide

A deductible is the amount you pay on a covered claim before insurance pays the remaining covered amount. Collision and comprehensive coverage may each have a deductible.

Higher deductible, lower premium

Raising a deductible can reduce premium, but only choose an amount you can pay after a crash, theft, hail loss, or glass claim.

Compare scenarios

• $500 may cost more but reduces claim cash pressure.
• $1,000 is a common middle point for many shoppers.
• $2,000 can lower premium but may not make sense for lower-value cars.