Your deductible is what you pay out-of-pocket for covered repairs to your vehicle under Collision and/or Comprehensive.

Example:

• Deductible: $1,000
• Repair total: $3,000
• You pay: $1,000
• Insurance pays: $2,000 (up to policy terms)

Typically, yes. Higher deductible = lower monthly premium, and lower deductible = higher monthly premium. Insurance premiums are influenced by several factors, including your deductible, vehicle type, driver age, location, and driving history. But the best deductible is the one you can realistically afford if something happens.

Several factors influence auto insurance rates, including driver information such as your driving history, SR-22 status, DUIs, and how often you drive. Insurance pricing can vary based on factors like:

• Claim frequency in your area
• Theft and vandalism rates
• Accident rates and traffic density
• Repair and medical cost trends
• Weather patterns (hail/storm exposure)

That’s why comparing quotes matters—especially if you’ve moved or your ZIP code changed.

The most reliable ways to lower cost (without losing important protection) include:

• Comparing multiple carriers
• Choosing a deductible you can handle
• Asking about car insurance discounts and money saving discounts (safe driver, multi-car, homeowner/renter-related discounts, transfer discounts, payment method discounts, etc.) to save money on your policy
• Avoiding lapses in coverage
• Keeping your policy active and paid on time
• Updating mileage if you drive less than average
• Choosing coverages that fit the value of your vehicle

You can also cut costs by driving less and updating your mileage if you qualify as a low mileage driver.

Cheap insurance is great—but it should still match your real-world risk.

Yes. Many people assume “cheap auto insurance” is only for high-risk situations, but safe drivers with clean records often qualify for lower premiums and low rates as well. The best approach is always: compare quotes and choose the best value for your situation.