What kind of car insurance deductible do people choose in California?

Do you recommend a high deductible or low deductible plan? Is one better than the other?

Apr 21, 2021
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Emily Maracle
Answered at Apr 21, 2021
“Choosing a high or low deductible for your comprehensive coverage and collision coverage should be based on what you can afford. Your deductible is the cost you will be required to pay in the event that you file a claim. The deductible amount you choose can also influence your price.
A higher deductible will always cost you less on an insurance plan than a lower one. If you have an emergency fund or savings and are able to pay a higher cost out of pocket, you can save some money on your car insurance.
If you don’t think you’ll be able to afford a higher deductible if there’s an accident, it’s best to go with a lower deductible. You will, however, be paying more upfront as you’re essentially pre-paying for any accidents or claims you may get into.
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