How do I not pay my car insurance deductible?

I lost my job and no longer can afford my deductible if something happens to my car. I can barely afford my current monthly payments for my insurance. What can I do?

Answer
I’m sorry to hear about your job. I hope you find something soon.
Unfortunately, you can’t get out of paying your deductible if something happens, but you can reach out to your insurance company and try to make some changes.
First, you could choose a lower deductible, but that may make your premiums higher.
If that’s not an option, here are a few other potential ideas:
  • See if your policy requires you to pay the deductible upfront
  • Talk to your mechanic to see if you can work out a payment plan
  • Take out a payday loan, but you’ll have to pay back the loan with interest
  • Wait to file your claim—before you do this, check with your state and provider to see how long you have to make a claim
Another choice you have is to start shopping around for car insurance to see if you can get a better deal.
That’s where Jerry can help. Jerry will provide you with competitive quotes from over 50 top insurance companies. Make your choice, and Jerry takes care of the rest—securing your new policy and helping you cancel your old one. The average Jerry user saves $879 a year on car insurance.
Lauren Smith
Answered on Nov 11, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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