Some car insurance companies have what’s called a “vanishing deductible” perk, which usually means that for every year you’ve been with your insurance company without filing a claim, your deductible amount will drop by a certain amount. With some carriers, your deductible might also be waived if someone causes an accident and you file a claim with your own coverage instead of using the at-fault party’s insurance. But, in general, your deductible probably won’t be waived, so you should set it to an amount you can actually pay out of pocket.