When shopping for car insurance you need to think about all the details that make up your policy. One that you can not afford to overlook is the deductibles. Some people think this does not make a big deal, but they are wrong. In fact, your deductible is something that you have to be aware of at all times. Did you know that it will also determine how much you pay for car insurance?
There are two types of deductibles: collision and comprehensive. As you can imagine, collision is the one that you will use if you get into an accident. Comprehensive is more for things like a broken windshield.
Nonetheless, you must consider both of them and how they will affect you and the amount that you pay. Generally speaking, the higher your deductible the less money you will have to pay for car insurance coverage. That being said, if you need to make a claim you will have to pay more money out of pocket. For this reason you want to find a happy medium. To get a better idea of how this will affect your premium, ask your car insurance company for a quote at different deductible levels. This will give you a better idea of where you stand and what you should be buying.
You should be very careful with the deductibles that you choose. The more information that you have on this detail of your policy the better off you are going to be. Do not let this one slip through the cracks!