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?

“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.
Emily Maracle
Answered on Apr 21, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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