Insurance Deductibles

[RebelThunder]

OK, right now I have a $500 collision deductible and a $100 comprehensive deductible. I am thinking of raising the collision deductible to $1,000 to lower my insurance premiums since right now I have to pay about $650 every 6 months for full coverage. What kind of deductibles do you guys have?

 

[Stumpuller6.5]

IIRC i have $1000 deductable.

 

[66nova]

I have $500 deductible. I also have my minimum coverages raised above what the state requires.

 

[daddy]

I have $500 deductible. I also have my minimum coverages raised above what the state requires.

:withbob:

 

[RebelThunder]

I have $500 deductible. I also have my minumun coverages raised above what the state requires.

I'm not sure what the minimums here are but this is what I have:

Bodily Injury Liability - $100,000/$300,000
Property Damage Liability - $100,000
Uninsured Motorist Bodily Injury - $100,000/$300,000
Underinsured Motorist Bodily Injury - $100,000/$300,000
Medical Expenses - $10,000

Plus, since my dad has insurance through the same place I do, I get discounts for multiple vehicle, auto and life, auto and home insurance. Those discounts apparently save me $303 every 6 months. So without those, I'd be looking at around $1,000 every 6 months which I think is ridiculous.

 

[Bowtie2Sierra]

$500 deductible here with $250k/500k limits. The 6 month premium on the truck is ~$320.

 

[daddy]

In Indiana, the minimum coverage is $25,000/$50,000/$10,000.

I'm at the $100K/$300K/$100K mark with a 6-month premium of $250.70

You can check your minimum coverage requirements here: http://www.carinsurance.com/state/index.aspx

 

[PenguinLTZ]

I have $500 deductible. I also have my minimum coverages raised above what the state requires.

:withbob:

:dittothat:

 

[Bigredmariner]

I forget what I have but I know my deductible is $500.

 

[daddy]

I forget what I have but I know my deductible is $500.

Does it keep on giving?