What Car Insurance Deductible Is Best? 
The proper car insurance deductible is as unique as the person driving the vehicle which needs to be covered ! While there is no single answer , here are some helpful tips : The higher the deductible , the lower the premium -LRB- You 'll be responsible for paying more out of pocket in the event of a claim -RRB- . The lower the deductible , the higher the premium -LRB- You 'll be responsible for paying less out of pocket in the event of a claim -RRB- . Determine how much cash and credit you typically have available as well as your monthly disposable income -LRB- The higher this number , the higher the deductible can be potentially -RRB- . Determine the current value of your vehicle -LRB- Trade-in , not retail -RRB- and consult your agent about it 's safety features . A rule of thumb is that the more valuable the vehicle , the higher the premiums -LRB- A higher deductible can offset this increased cost -RRB- . Be aware of your surroundings - if you park on the street or live in an area with a high propensity for glass damage , consider a lower comprehensive deductible . As always , please discuss it with your insurance agent prior to making a decision regarding your deductibles ! Joel Guilbert Liberty Mutual Insurance 480-685-7309 