I'm in the great state of Florida where the wonderful no-fault laws make auto insurance premiums a nightmare. Even so, cutting comprehensive from $500 to a $50 deductible was negligible in premium cost and made a world of difference to me when I had to file a $1700 vandalism claim
Originally Posted by kellyfrost
I thought the lower deductible on comp or collision would be a large money difference, at least it was with All State. I will check with ANPAC.
Collision is virtually always more expensive to reduce than comprehensive because of the average frequency and severity of a collision claim. That said, with the already very low rating factors used for your premium, I can't imagine it'd be very expensive at all. If it costs you, say, $45 a year to reduce the deductible to $50, then a single claim in 10 years already puts you ahead.
That said, if coming up with $500 on a whim for an unexpected accident is no big deal to you, it's understandable to not bother to look into changing the deductible at all