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A deductible is the portion of an accident's repair or replacement costs that the policyholder is responsible for paying out of pocket before their comprehensive or collision coverage takes effect.  

The deductible is normally between $250 and $1,000, but it's up to you. Learn how the size of your auto insurance deductible impacts your premium payments by consulting with your agent.  

What to ask your broker 

We provide round-the-clock service and support to help you get the best vehicle insurance coverage. Our staff is well-versed in the process and eager to help you along the route.  

As you make your coverage decision, keep in mind the following:  

  • What is your financial safety net in the event of an accident? (You should have a larger deductible and be ready to spend more for repairs if you want to keep rates low.) 
  • When filing a claim, how responsive is the insurance provider, and how quickly do they pay out benefits? (Some could be handier for you than others). 
  • How much are the discounts, if any? (Ask about discounts for safe drivers, families, and students.) 
  • How does one go about making a claim and having it resolved? (Enquire who to contact and what occurs after submitting a claim.) 

To what end do you need auto insurance? 

Having insurance is usually a legal requirement. Avoid settling for necessities since doing so might haunt you if disaster strikes. Sufficient insurance is critical for safeguarding one's financial stability in an accident. Make sure you have a suitable plan to meet your needs. Contact your insurance agent to discuss the best coverage options for you. 


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