Higher Deductibles vs. Lower Deductibles with Auto Insurance
When deciding between higher deductibles and lower deductibles, there are a wide spectrum of factors to consider. Has your Lincoln Aviator suffered too many accidents? Do you live in a high crime rate area rife with thefts and vandalism? If there is a high incident rate within your neighborhood, it is best to opt for a lower deductible as there is a higher likelihood of an accident. Rural area folk with mile-away neighbors whose farthest drive is a neighborhood store may opt for higher deductibles.
In addition, policyholders should carefully evaluate their auto insurance plans and read their record over the past few years to determine how much of a deductible to carry and what risk you are willing to take. If your driving record is full of blotches, filing an auto insurance claim seems inevitable. Essentially, it all comes down to the amount of risk you are willing to take. In addition, a savvy auto insurance policyholder will compare insurance rates from multiple companies before pounding the hammer on deductible amounts. Rate difference between deductibles vary from insurer to insurer. Look around, compare and contrast auto insurance programs, and shoot for money savings.
Related Tags: auto insurance, car insurance, deductibles
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