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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?

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16y ago

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