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A high deductible auto insurance plan is one of the best ways to save on the expense of policy premiums, which can be a real help to mitigate costs for California drivers. By raising the deductible amount, you sacrifice protection from minor damages like a broken windshield. But in return, you are still covered for major damages and your premium bill will be much lower.
What else can I help you with?
Which of these will not cause your insurance premium to be higher?
Having a high deductible will not cause your insurance premium to be higher.
What are the pros and cons of purchasing an insurance plan with a low deductible?
The pros to having an insurance plan with a low deductible would be that you do not have to pay as much money out of pocket if something happens and you need to use your insurance. The con of having a low deductible is that your monthly payment will be higher than if you had chosen a plan with a higher deductible. Generaly, if you are young and healty with very few trips to the doctor, go with a higher deductible. However, be sure you choose a deductible that you can afford to pay in the event something actually does happen to you.
Can I get my auto body repair done without having to pay the deductible?
No, you typically need to pay the deductible for auto body repairs as part of your insurance policy.
How can comprehensive car insurance be cheap?
Comprehensive car insurance can be cheap by having a higher deductible, getting any available discounts from your insurance carrier, or having a lower amount of coverage. You can also have cheap comprehensive insurance by having a less expensive car.
How do you know when you will receive an insurance check for your car?
What you should do if you are having your vehicle repaired is to endorse the insurance check to the body shop and write another check for your deductible and pick up your car.
Can you have a Flexible Spending Account (FSA) without having medical insurance?
No, you typically need to have a qualifying high-deductible health insurance plan to be eligible for a Flexible Spending Account (FSA).
Can you get Arrested for not having car insurance in California?
Yes. It is uncommon, but yes.
What is Applicable loss deductible of Perils mean?
The Applicable Loss Deductible of Perils refers to the amount that policyholders must pay out of pocket before their insurance coverage kicks in for specific risks or events. This deductible is applied to losses resulting from covered perils, such as fire, theft, or natural disasters. By having a deductible, insurers reduce the number of small claims and encourage policyholders to share in the risk. The specific amount and conditions can vary based on the insurance policy terms.
What is the difference between only having liability and having complete car insurance?
"Complete car insurance" would also include coverage that covers anything that can physically happen to the automobile, normally after some sort of a deductible that the named insured must pay first.
What are the benefits of choosing a no deductible body shop for your car repairs?
Choosing a no deductible body shop for your car repairs can save you money by not having to pay a deductible out of pocket. It can also make the repair process quicker and more convenient, as you won't have to wait for insurance approval. Additionally, a no deductible body shop may provide higher quality repairs and better customer service.
Which is better 500 deductible or 1000 deductible?
It depends. If you plan on having a lot of claims against the insurance, 500 deductible is a better deal. If you only want the insurance to protect you from MAJOR disasters that don't usually happen in your life, 1000 deductible is much less money. For the difference in the cost of the insurance, I'd much rather have the 1000 deductible. I'd just put the difference in the cost of the premium into the bank and let it draw interest. Then, when/if I have a claim, I would use that money to make up the difference. In the end, it's all just a crap-shoot. Insurance companies are betting that you'll NOT cost them more than the premium that you pay, that's how they make money. On the other hand, we're ALL hoping that we never have to use the insurance but want them to take care of EVERYTHING if we have a problem.
Whose insurance pays for the birth of a child in California if the parents are not married but both have insurance?
The female since she's having the baby.
