Glossary term
Deductible
Deductible: What you pay before collision or comprehensive pays. Raising it saves more in dollars when the base premium is high.
Where this term matters
Guides and entries on this site that use the term.
Guide
How to Lower High-Risk Car Insurance Rates
The actions that lower a high-risk premium most: comparing non-standard and standard insurers, deductibles, coverage structure, telematics, defensive driving, and timing renewals to lookback windows.
Entry
Adjusting Deductibles and Coverages to Lower High-Risk Auto Rates
Learn how raising deductibles and dropping optional physical damage coverage can reduce high-risk car insurance premiums while maintaining legal compliance.
Entry
What to Do When Auto Insurers Decline Your Application
Learn why auto insurers reject applications, how non-standard carriers differ from assigned-risk plans, and the steps to secure coverage when declined.