06/22/2026
When choosing your auto insurance, one number can make a big difference: your deductible.
Your deductible is what you pay out of pocket before insurance kicks in after a covered loss.
Here’s the tradeoff:
🔹 A higher deductible often means a lower monthly premium
🔸 A lower deductible means you’ll pay less if you have a claim, but usually with a higher premium
The key is to find the right balance for your budget and your comfort level with risk.
👉 Pro tip: If you choose a higher deductible, make sure you have that amount set aside in savings just in case.