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Car Insurance Deductible

What amount deductible you carry? I currently have $2000 deductible but thinking about lowering it. But not sure.

by Anonymousreply 2January 14, 2022 4:57 PM

Ooh, that is quite high OP. I guess it depends on how much you’d want to spend out of pocket in the event of an accident. I work in insurance and I often see people going with high deductibles because it lowers their overall premium. However once they need to file a claim they can get pissed off now that they have to pay $1000-2000 out of pocket, sometimes regardless of fault. If you are a great driver with not a lot of accident history I’d say stick with a higher deductible since it’s not likely you’d be involved in a major accident anytime soon.

by Anonymousreply 1January 14, 2022 4:55 PM

R1 I have something very bad on my driving record and the insurance went way up because of that. So I raised it to $2000 to help lower the premium. But now it's been years since that incident happened and I'm thinking I should lower it to $500 or $1000?

by Anonymousreply 2January 14, 2022 4:57 PM
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