When you’re making the choice of a car insurance policy, by far one of the most important decisions that you are going to have to make is the decision of how much car insurance deductible pricing you want to have. A deductible is the difference between what you have to pay and what the insurance pays when you get into an accident. You have to pay this amount before the insurance will pay their part. If for example you get into an accident and the cost of repairing the damage to your vehicle is $2500 and the deductible is $250, you’re going to have to pay the 250 and the insurance company gets to pay the 2250. The ratio works the same depending on how much your deductible is.

Deductibles on car insurance only apply to the comprehensive protection and collision protection that are offered in your plan. The comprehensive coverage is the part that covers damage to your car if it is hit by something that isn’t another vehicle. Not only does it cover damage from being hit but it also covers damage from weather related accidents and and vandalism. On the other hand collision coverage is for when you get into an accident with another vehicle. Each of these types of coverage have their own individual deductibles.