I'm going to assume you mean a lower or higher comprehensive deductible.
A deductible is the portion of the claim that you are responsible for. If the amount of damages comes to $1000 and your deductible is $250, the insurance company will pay $750 and you will pay $250.
There are a lot of things to take into consideration. Can you afford a lower deductible as this will mean that your rates will be higher? If you choose a higher deductible and there is a loss will it be hard for you to come up with the amount of money it will take to pay the deductible? Also, do you live in an area that is prone to comprehensive claims? Are there lots of heavy storms with hail that may cause damage to your vehicle? Do you live in an area with lots of flooding? Do you live in an apartment complex where your vehicle might easily be vandalized? Do you live in a rural area where there are lots of deer hits?
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.
A lower coinsurance rate is generally better for your insurance coverage, as it means you will have to pay less out of pocket for medical expenses after meeting your deductible.
If you are receiving interest on an assett, a higher interest is better. If you are paying interest on a debit, a lower interest is better.
The lower the better
Your age (younger individuals have higher premiums) , driving records (better to have fewer points on licence) and no-claims all lower your insurance rates but cannot necessarily be controlled. However, paying a higher excess can lead to a lower premium, installing security systems and level of cover can also lower premiums. Your postcode (lower crime rates), mileage (lower mileage) and (private) parking also affect insurance rates.
Higher. 4.0 is the best.
a lower deductible
A lower.
Higher
Yes, the Higher the Better.
Lower
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