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

Full Bio →

Written by

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.

Full Bio →

Reviewed by Natasha McLachlan
Content Writer

UPDATED: Aug 20, 2017

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

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.