Auto insurance basics

How do auto-insurance deductibles work?

A deductible is one of the important numbers to understand when comparing certain types of vehicle coverage.

The simple version

For a covered claim where a deductible applies, it is generally the amount you pay before the insurer contributes, subject to policy terms.

Questions to ask yourself

Could I afford this deductible unexpectedly?
Does it apply to collision, comprehensive coverage, or both?
Are there separate deductibles for different types of claims?
How would changing it affect the quote?

Before you decide

Read the policy documents and make sure your details are correct. Your individual needs, local requirements, and budget matter. Consider a licensed insurance professional for advice specific to your situation.

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