Should You Raise Your Auto Insurance Deductible?

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What you need to know

• Thinking about raising your auto insurance deductible to save on premiums?
• It can lower your bill—but if you pick the wrong amount, a claim could get expensive fast
• Your deductible is what you pay out of pocket before insurance kicks in for collision or comprehensive claims

HOOK

Thinking about raising your auto insurance deductible to save on premiums? It can lower your bill—but if you pick the wrong amount, a claim could get expensive fast. [Driver reviewing an insurance app on a phone, then a quick cut to a repair estimate]

→ Call (888) 509-1516 for a free insurance agent estimate — answered 24/7, no obligation.

KEY POINT 1

Not sure what it will cost?

A licensed insurance agent can tell you in about two minutes on the phone.

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Your deductible is what you pay out of pocket before insurance kicks in for collision or comprehensive claims. So if you raise it from $500 to $1,000, you may pay less each month—but you’ll owe more if your car is damaged.

KEY POINT 2

→ Get (888) 509-1516 on the line and price your job now — answered 24/7, no obligation.

That tradeoff only makes sense if you can comfortably cover the higher amount today. A good rule: don’t set a deductible higher than the cash you could actually pay tomorrow without stress. [Person checking savings balance and comparing it to a repair bill]

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