No-deductible car insurance is a policy that does not require the policyholder to pay anything out of pocket when they file a claim. Zero-deductible plans are more expensive than policies with a deductible, and they are usually only applicable to collision and comprehensive coverage.
In some states, insurers are required to waive deductibles or offer $0 deductible coverage for glass damage. For example, Florida, Kentucky and South Carolina do not allow insurance companies to charge a deductible for windshield repairs and replacement. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota and New York are required to offer drivers the option of choosing a $0 glass repair deductible that is separate from their general comprehensive deductible.
Most major insurance companies do not offer zero-deductible collision and comprehensive plans upfront, but some providers like Liberty Mutual have vanishing deductible programs that allow you to eliminate your deductible over time if you practice good driving habits. And some states, like New York and Pennsylvania, do not allow insurance companies to offer $0 collision or comprehensive deductibles at all.
Normally, car insurance deductibles can be anywhere from $100 to $2,500. And the higher your deductible is, the lower your premium is likely to be. With those guidelines in mind, you should choose whatever amount you could comfortably afford to pay in an unexpected situation.
To learn more, check out WalletHub’s guide to car insurance deductibles.
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