Some coverages also have deductibles.
Deductibles are payments you have to make before the insurer starts to pay. Higher deductibles can lower the cost of your automobile insurance. However, you should consider how high a deductible you can pay if you are involved in an accident. Your insurer will pay medical bills over the deductible amount you choose. That means that you pay 20 percent of the medical expenses and the insurer pays 80 percent.