Jessica Sautter has a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Written by Jessica Sautter
Content Writer Jessica Sautter

Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around auto insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Reviewed by Natasha McLachlan
Content Writer Natasha McLachlan

UPDATED: Aug 20, 2017

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When shopping for car insurance, you may have heard of the deductible. The deductible is the amount that you would owe in case a claim is made against the policy. For example, if your insurance has a deductible of $300 and a claim is filed to cover repair expenses due to an accident, you would have to pay the first $300 of the bill before the insurance kicks in.

So, a repair bill that costs under $300 would mean that you would be responsible for the total amount. If the repair bill is considerably higher than that, then you are still only responsible for the $300.

Generally speaking, the higher the deductible the lower your car insurance rates because you are paying more money in case a claim is filed. Getting a higher deductible is one of the most common ways to save money on your car insurance premiums. However, it is important that you have the amount of the deductible saved so you can use it in case an accident occurs.

Note that…

It is important that when searching for the right auto insurance policy to check out the different deductible levels so that you can get the least expensive insurance available. A high deductible allows you to take away 10% up to 30% or more off of your insurance premium which can save you a considerable amount of money. Keep in mind that you will need to have the money set aside to cover your deductible in case a claim is filed.