What is an auto insurance deductible and how does it work?

Your auto insurance deductible is an out-of-pocket cost you’re responsible for when you file a claim to cover the cost of damages after a covered incident. Deductibles usually range between $100 and $2,000. Typically, the higher your auto insurance deductible, the lower your insurance rates. You can work with your insurance company to identify an appropriate deductible amount based on your financial situation (i.e. whether you can afford the deductible) and your insurance rates.

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UPDATED: Mar 11, 2022

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