Finding great car insurance at the right price means figuring out what coverage is essential and what is not. However, even if you want (or are required) to buy a policy that covers everything, you can get lower rates by raising your car insurance deductible.
When you create a custom policy, you have the option to select not only what kind of coverage you want but also how much. To get savings, you can raise your collision and comprehensive deductible, as well as the deductible for other types of coverage. In some cases, this can lower your six-month premium by hundreds of dollars.
Higher deductible/lower premium insurance is a great option for safe drivers who do not mind having to pay a little out of pocket if they make a claim.