{"id":41617,"date":"2023-12-19T08:20:39","date_gmt":"2023-12-19T13:20:39","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=41617"},"modified":"2025-11-19T19:59:51","modified_gmt":"2025-11-20T00:59:51","slug":"what-is-a-deductible-in-car-insurance","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/what-is-a-deductible-in-car-insurance","title":{"rendered":"What is a deductible in car insurance?"},"content":{"rendered":"\t\t
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One of the most important parts of a car insurance policy is the deductible. For many drivers, it also happens to be one of the most confusing topics, too. Simply put: The deductible is a key part of your policy that directly affects how much you spend, or save, after an accident. Whether you’re choosing a low deductible to keep repair costs manageable or a high one to lower your monthly premium, understanding how deductibles work is key to making smart decisions about your coverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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What is a car insurance deductible?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Your deductible is your share of the cost in the event of a claim. It\u2019s what you pay \u201cout of pocket\u201d before your insurance starts paying. A deductible isn\u2019t the same as your premium, which is what you pay to maintain your policy. You may have to pay your deductible every time you file a claim.<\/p>\n

When you purchase your policy, you select your deductible amount. Each\u00a0coverage option<\/a>\u00a0you purchase has its own deductible, so you can select a different amount for each option, and you can always raise or lower your deductible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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High deductible vs low deductible<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Your premium is related to your deductible. A low deductible means you pay less in the event of a claim, but your insurance premium will be a little higher. Raising your deductible will lower your policy\u2019s premium.<\/p>

However, this means you\u2019ll need to pay more out of pocket if you need to file a claim. You risk spending more money on claims when you take on a higher deductible.<\/p>

There are still advantages to having a low deductible. While you may pay more each renewal, you pay less out of pocket when you file a claim.
Plymouth Rock offers deductibles from $100 to $2,500, but the most common deductible is $500.<\/p>

Deductibles can vary by coverage and state. Please contact us to learn more about deductibles specific to your policy.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Will my car insurance cover windshield repair?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Windshield damage is one of the most common comprehensive claims made, and many insurers offer separate windshield deductibles. At Plymouth Rock, you can select a $0 windshield deductible, which means you won\u2019t have to pay to replace a windshield in a covered loss. We also offer a $100 Glass Deductible option which applies a $100 deductible for glass only claims.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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What is the right deductible for me?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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There isn\u2019t one right answer to choosing a deductible. Some factors to consider are your financial situation and tolerance for risk. No one can anticipate when or where an accident will happen, so consider how much you\u2019re comfortable paying in the event something does happen.<\/p>\n

If you want to avoid a sudden expensive repair bill, having a low deductible might be better. A lower deductible can also be a smart choice for drivers with older, low-value cars.<\/p>\n

A higher deductible means a lower insurance bill, but be sure you can afford to pay for sudden expenses. Increasing your deductible can be a good way to lower your insurance costs while maintaining full coverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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What types of insurance are impacted by deductibles?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Deductibles typically apply to your non-liability coverage. Collision and comprehensive coverage are the most common types of insurance that are impacted by deductibles. Collision coverage pays for the cost to repair or replace your car after a collision with another vehicle or object. Comprehensive coverage pays for damage to your car not related to a collision.<\/p>

Coverage impacted by deductibles:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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