What you need to know about car insurance deductibles

Deductibles are the amount of money a person pays out of pocket when they file a claim.  In the case of car insurance, there can be two types of claims or two types of car insurance deductibles;

  • Comprehensive or other than collision claims / deductibles
  • Collision claims / deductibles

Comprehensive or other than collision deductibles address a number of things including;

  • A rock hits a windshield
  • A tree falls on your car
  • Someone “keys” your car
  • Your car is swept away in a flash flood
  • The car burns
  • Someone backs into your car at the mall or other parking lot
  • You hit an animal that runs into the road

The two most common are a cracked or chipped windshield and being nicked in a parking lot.  Anything that’s not a collision falls into this category.

 Collision deductibles apply anytime there’s an accident.

  • It can apply if you’re the driver who’s at fault
  • It can also apply if it’s the other person who’s at fault (this depends if you file on your insurance vs. their insurance)

Texas carriers provide a wide array of deductibles.  Options include;

  • $100
  • $250
  • $500
  • $750
  • $1,000

Here are 8 things you need to know about both types of deductibles;

  • The lower the deductible, the higher the premium
  • The higher the deductible, the lower the premium
  • To find out what fits your budget best, have it priced at different levels
  • Comprehensive & collision deductibles don’t have to be the same
  • A higher comprehensive deductible doesn’t save you a lot
  • A higher collision deductible will provide greater savings
  • Before going with a higher collision deductible, determine how long it takes to cash flow the difference
  • If you don’t have the deductible, you don’t have the coverage

Have a question about your car insurance deductible?  Share it with us on our Facebook page on in the comments section below.

Evie Wise
Evie Wise


Evie Wise
Evie Wise

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