With some companies, such repairs will earn you a lower rate. Take as large a deductible as you can comfortably afford. Over the long haul, you'll save money. This goes for all types of insurance as well. Pay for replacement-cost coverage.
Most policies pay the depreciated value rather than the replacement cost of any losses.
Obtain a policy that runs for three to five years before renewal is necessary. A long term commitment generally costs less than a short one. And, if you can, pay the entire annual premium at once, avoiding expensive monthly charges that often accompany monthly or quarterly payments. Determine if you qualify for special discounts. Why pay more than 5 cents a minute for long distance.