The Lower Premium Can Be the More Expensive Decision.
Raising your deductible can lower premium, but it changes cash-flow risk and claim behavior incentives.
Read More →Collision coverage
Direct answer
Collision coverage pays for your car in crashes, and deductible choices shape premium and exposure.
Why it changes price
- Higher deductibles reduce expected claim costs, but increase your worst-day cash obligation.
- Small collision claims can carry pricing penalties that outweigh short-term savings.
- Vehicle repair inflation can push collision pricing upward even with stable driving.
Decision rule
If you can self-fund small repairs, raise the deductible; if not, protect cash-flow first.