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When I am asked about choosing a deductible for vehicle insurance- its important to consider whether one has the money set aside to come up with the designated amount to repair their vehicle and if it’s actually worth it carry a higher deductible. Many financial syndicates will say- carry $1000 deductible- it’s the best savings. Depending on the coverage – this may or may not make sense.
Comprehensive coverage- coverage if one hits a deer, thier car is stolen, their car is vandalized, hail damage occurs or glass damage occurs. This one of the cheapest coverages on a policy. The difference between $1000 deductible and $250 deductible- could be less than $3/month. In my personal opinion- this minimal savings - wouldn’t be worth carrying a higher deductible.
Collision coverage- coverage if someone is at fault to fix their vehicle- is one of the more expensive coverages on an auto insurance policy. Carrying $1000 deductible can make sense- to keep premiums lower- but one must have that $1000 set aside- in order to prevent a financial burden.
Choosing a deductible- can’t be painted with a broad stroke brush.
In the insurance industry- its easy to sell just on price- everyone wants a good rate. Its important to keep the coverage selected in mind- does it make sense for the customer too?
Referral Trigger Response
770-716-4124
6000 Shakerag Hill
Suite 212
Peachtree City, GA 30269
My best client is looking for not only exceptional coverage and rates on their auto, home and life insurance - but unmatched customer service. One never knows how good their insurance company is until they have to file a claim- that is where we excel.
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