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Can you pay your deductible over time?

I have a $1,000 deductible. I hit a guardrail and had to submit a claim to my insurance. The repairs are going to cost $1,500. Am I able to pay my deductible over time so I can get my car fixed?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“When you submit a claim for damage, you are required to pay your
deductible
 up front if the amount of damage is higher than the deductible itself.
In most cases, your
car insurance company
 will work directly with the repair shop. Once the repairs are complete, you would pay your deductible to the repair shop.
Unless the repair shop offers some type of payment plan, you can’t pay your deductible over time. Insurance companies also don’t offer payment plans for deductibles. If you are having trouble paying your deductible, it’s worth lowering it.
Insurance companies offer a variety of deductible for
collision insurance
. You can check with your current company to see what deductible options are available and how they would impact your premium.
If lowering your deductible increases your premium greatly, you can also shop around. You may be able to find a better rate with another company using the
Jerry
 app while still lowering your deductible.”
MORE:
What do I do after a car accident?
Car InsuranceDeductiblesCar Insurance Claims
View full answer 
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