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Why Do People Choose AmeriAgency Insurance?

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We work with top insurance companies to ensure you get the best coverage at the lowest price.

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Don’t need to search multiple websites – we’ll do the work for you and give you the best options.Hundreds of Locations with bilingual agents to serve you.

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Low-cost car insurance doesn’t have to mean low-quality coverage. Let Freeway Insurance help you get the best car insurance quote for your needs and budget and save while you protect yourself and your family. You are on the AmeriAgency Insurance Sitemap page.

Car Insurance Deductible Basics

So, what is a car insurance deductible?

Basically, it’s the upfront cost you pay to fix your car. When you’re in an accident and want to get the damage repaired, you’ll just pay a set amount instead of paying the whole bill. This amount doesn’t change, whether the total damage is $800 or $2,000.

Let’s use an example to illustrate. Let’s say you get into an accident and have $1,000 of damage to your car. You’ll pay your $250 deductible, and the insurance company will cover the $750 in remaining repair bills.

You might be thinking — that sounds a lot like my health insurance. While they are similar, car insurance deductibles are different from health insurance ones. The principle is the same (an upfront cost you pay for each claim), but car insurance doesn’t have a limit like health insurance. This means you’ll need to pay the deductible for every claim, regardless of how many claims you make or how much you spend.

Also, keep in mind that deductibles pertain only to the damage to your car, meaning they only apply to things like collision and comprehensive insurance. You don’t need to pay a deductible for liability insurance.