{"id":5056,"date":"2024-11-07T23:05:18","date_gmt":"2024-11-08T07:05:18","guid":{"rendered":"\/wp-site\/?p=5056"},"modified":"2025-02-19T09:00:35","modified_gmt":"2025-02-19T17:00:35","slug":"car-insurance-deductible","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/car-insurance-deductible\/","title":{"rendered":"Car Insurance Deductibles: What They Are and How to Save"},"content":{"rendered":"\n<p>When you file certain <a href=\"\/car-insurance\/\">car insurance<\/a> claims, you\u2019ll pay a set portion of the loss, called your deductible, before your insurer steps in to covers the rest. Most deductibles are $500 or $1,000, but your provider may offer different options depending on your budget and <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-deductible\">What is a car insurance deductible?<\/h2>\n\n\n\n<p>A deductible is the amount you pay out of pocket before your insurance covers the rest of a claim. Most deductibles are around $500 or $1,000, but they can range from $0 to as high as $2,500 (or more) depending on your provider and policy.<\/p>\n\n\n\n<p>Deductibles serve two main purposes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Discourage small or unnecessary claims<\/strong> that could drive up costs for everyone.<\/li>\n\n\n\n<li><strong>Share claim costs<\/strong> between you and your insurer.<\/li>\n<\/ul>\n\n\n\n<p><strong>Read more <\/strong>about <a href=\"\/car-insurance\/how-is-car-insurance-calculated\/\">how insurance companies calculate premiums<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"not-all-types-require-one\">When deductibles apply<\/h2>\n\n\n\n<p>Not every type of car insurance coverage requires a deductible. Knowing when they apply can help you avoid surprises when you <a href=\"\/car-insurance\/car-insurance-claim\/\" data-type=\"car-insurance\" data-id=\"23084\">file a claim<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Coverage that typically requires a deductible<\/h3>\n\n\n\n<p>You\u2019ll usually pay a deductible for these coverages, although rules can vary by state:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"\/car-insurance\/collision-insurance\/\"><strong>Collision coverage<\/strong><\/a>:<\/strong> Repairs your vehicle after an accident with another car or a stationary object (like a light pole).<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/comprehensive-insurance\/\"><strong>Comprehensive coverage<\/strong><\/a><strong>:<\/strong> Covers non-collision damage such as theft, vandalism, severe weather, falling objects or hitting an animal.<\/li>\n\n\n\n<li><strong><a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">Personal injury protection<\/a> (PIP):<\/strong> Pays medical expenses and lost wages for you and your passengers after an accident. It may also cover funeral costs.<\/li>\n\n\n\n<li><strong><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\" data-type=\"car-insurance\" data-id=\"3134\">Uninsured motorist<\/a> property damage (UMPD): <\/strong>The portion of UM\/UIM coverage that repairs your car after an accident with an uninsured driver.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Coverage that usually doesn\u2019t require a deductible<\/h3>\n\n\n\n<p>These coverages generally pay out without you having to pay a deductible:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Your <a href=\"\/car-insurance\/liability-car-insurance\/\" data-type=\"car-insurance\" data-id=\"9859\">liability coverage<\/a>:<\/strong> Pays for the other driver\u2019s property damage or medical bills when you\u2019re at fault.<\/li>\n\n\n\n<li><strong>Another driver\u2019s liability coverage:<\/strong> Pays for your damages when the other driver is at fault.<\/li>\n\n\n\n<li><strong><strong><a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">Medical payment<\/a> (MedPay)<\/strong>:<\/strong> Covers medical expenses for you and your passengers after an accident, regardless of fault.<\/li>\n\n\n\n<li><strong>Uninsured motorist bodily injury (UMBI)\/Uninsured motorist (UM):<\/strong> Covers medical expenses if you\u2019re hit by an uninsured driver.<\/li>\n<\/ul>\n\n\n\n<p><strong>Learn more<\/strong> <strong>about<\/strong> <a href=\"\/car-insurance\/types-of-car-insurance\/\">the major types of car insurance<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-do-they-collect\">How deductibles are collected<\/h2>\n\n\n\n<p>A deductible is either paid out-of-pocket or subtracted from your final payout. Here\u2019s how each one works.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Option 1: Pay your deductible to the repair shop<\/h3>\n\n\n\n<p>If your claim involves repairs, your insurer may pay the shop directly, minus your deductible. When your vehicle is ready to be picked up, you will cover that remaining balance yourself.<\/p>\n\n\n\n<p>So, say you back into a lamppost, causing $2,500 in damage. Your <a href=\"\/car-insurance\/what-does-full-coverage-car-insurance-cover\/\">full coverage<\/a> policy&#8217;s collision deductible is $500. The insurance company sends $2,000 to the repair shop, leaving a $500 balance on the account. When you go to pick up your car, you&#8217;ll pay the remaining $500 to the shop.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Option 2: Subtract your deductible from a direct payout<\/h3>\n\n\n\n<p>If your insurer writes you a check directly \u2014 like if your car gets <a href=\"\/car-insurance\/totaled-car\/\" data-type=\"car-insurance\" data-id=\"22547\">totaled<\/a> or you decide not to complete repairs \u2014 the company can simply subtract your deductible from the total.<\/p>\n\n\n\n<p>For example, pretend a tree limb totals your car, which had an <a href=\"\/car-insurance\/actual-cash-value-acv\/\" data-type=\"car-insurance\" data-id=\"59425\">actual cash value<\/a> (ACV) of $17,500 at the time of the incident. Your comprehensive deductible is $500 so your insurer sends you a $17,000 check, which covers your car&#8217;s ACV minus your deductible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-pay\">Deciding whether to file a claim<\/h2>\n\n\n\n<p>Unlike health insurance, car insurance deductibles apply each time you file a claim. Depending on the damage and who is at fault, there may be times when you decide that a claim actually isn&#8217;t worth it.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If the damages far exceed your deductible, a claim usually makes sense, even with a potential rate increase.<\/li>\n\n\n\n<li>If the repair costs less than your deductible, filing isn\u2019t worth it. You\u2019ll pay out-of-pocket and may see higher premiums.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/getjerry.com\/wp-content\/uploads\/2024\/08\/Deductible-c.svg\" alt=\"\" class=\"wp-image-1499\"fetchpriority=\"low\" loading=\"lazy\"><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Who pays the deductible after an accident?<\/h3>\n\n\n\n<p>The policyholder \u2014 not the other driver \u2014 is responsible for paying the deductible on their own policy when filing a claim. Your insurer then covers the remaining repair or replacement costs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What if you can&#8217;t afford your deductible? <\/h3>\n\n\n\n<p>If you can\u2019t cover your deductible, you may have to pay for repairs yourself. This might mean arranging a payment plan with your repair shop or delaying repairs if the damage is minor and not a safety concern. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What if the repair costs less than your deductible? <\/h3>\n\n\n\n<p>If the damage to your car costs less than your deductible, filing a claim usually isn\u2019t worth it. You\u2019d pay the full amount out-of-pocket and may see your premiums rise. However, if the cost of repairs is well above your deductible, filing a claim typically makes sense, even after factoring in possible premium increases.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"range-in-value\">Choosing the right deductible<\/h2>\n\n\n\n<p>The <a href=\"\/car-insurance\/best-car-insurance-companies\/\">best car insurance companies<\/a> usually offer several deductible options, but the choices vary widely.<\/p>\n\n\n\n<p>For example, The General may offer only two options, topping out at $250 in some states, while <a href=\"\/reviews\/car-insurance\/safeco\/\">Safeco<\/a> offers up to seven deductible levels, some as high as $5,000 (depending on your state).<\/p>\n\n\n\n<p>When choosing your deductible, consider:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>State insurance requirements.<\/li>\n\n\n\n<li>Your past insurance costs.<\/li>\n\n\n\n<li>Your savings and ability to cover a higher deductible.<\/li>\n\n\n\n<li>Whether you have high-risk drivers in your household.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-jerry-key-takeaway border-primary flex flex-col rounded bg-gray-50 p-6 border-l-4\"><div class=\"flex flex-col md:block md:space-x-1\"><span class=\"has-primary-color text-lg font-semibold\">Need to Know<\/span><span class=\"text-gray-900 text-base\"><br>A $0 deductible car insurance plan \u2014 aka \u201czero-deductible insurance\u201d or \u201cno deductible car insurance\u201d \u2014 is typically reserved for drivers with <a href=\"\/car-insurance\/credit-based-insurance-score\/\" data-type=\"car-insurance\" data-id=\"5365\">excellent credit<\/a> and clean driving records. The same goes for vanishing deductible discounts, or incentivize-based coverage that rewards drivers who avoid accidents and tickets. And while <a href=\"\/car-insurance\/california\/\">California<\/a> and <a href=\"\/car-insurance\/massachusetts\/\">Massachusetts<\/a> drivers can add a collision damage waiver (CDW)to their auto policy that pays their collision deductible if an uninsured driver strikes them, CDWs aren\u2019t widely available.\u00a0<\/span><\/div><div class=\"jerry-block-content\" contentclassname=\"text-gray-900 text-base\">\n<p><\/p>\n<\/div><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"higher-deductibles-lower-premiums\">Higher deductibles mean lower premiums<\/h2>\n\n\n\n<p>A higher deductible often lowers your premiums because you\u2019re less likely to file small claims. According to the <a href=\"https:\/\/www.iii.org\/article\/nine-ways-to-lower-your-auto-insurance-costs\" target=\"_blank\" rel=\"noreferrer noopener\">Insurance Information Institute (III)<\/a>, raising your deductible can cut premiums by 15% to 40%.<\/p>\n\n\n\n<p>But higher deductibles aren\u2019t always cost-effective.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For older cars, a high deductible may leave you with little payout.<\/li>\n\n\n\n<li>If you can\u2019t cover your deductible in an emergency, it\u2019s not worth the rate savings.<\/li>\n<\/ul>\n\n\n\n<p>Most drivers find that a $500 to $1,000 deductible balances affordable premiums with manageable out-of-pocket costs..<\/p>\n\n\n\n<p><strong>More:<\/strong> <a href=\"\/car-insurance\/car-insurance-quotes\/\">How to save money by comparing car insurance quotes<\/a><\/p>\n\n\n\n<p><strong>NEED TO KNOW: <\/strong>You can change your deductible when you purchase or renew your car insurance policy.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\/insured?service=insurance\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs text-lg text-slate-500 wp-elements-d7bfe074b6039f380138a88e175d11c2 wp-block-jerry-faqs has-text-color has-black-color\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Do I have to pay a deductible if I hit a car?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>If you hit someone\u2019s car and they file a claim with your car insurance company under your liability insurance, you won\u2019t have to pay a deductible for their payout. However, if you file a collision claim with your provider for the damages to your own vehicle, your deductible will be subtracted from your payout.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Do I have to pay deductible if not at fault? If someone hits my car, who pays?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Car insurance deductibles have nothing to do with who is found at fault and are one of the conditions of receiving an insurance payout from your provider after filing a claim.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        What does $500 deductible insurance mean?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>In car insurance terms, a $500 deductible means you agree to pay the first $500 of any damages out-of-pocket in exchange for an insurance payout from your provider.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Is it better to have a $500 or $1,000 deductible?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>With the $500 deductible, you&#8217;ll have lower out-of-pocket costs in case of an accident but higher monthly premiums. With the $1,000 deductible, your monthly premiums will be lower, which can save you money over time if you don&#8217;t have many accidents\u2014but you&#8217;ll be on the hook for a higher out-of-pocket cost in case of an accident. This policy could also be risky if you can&#8217;t afford to pay out the deductible on short notice.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>If your car is new or otherwise worth a lot of money, you may want to consider a lower deductible to protect your investment. Even minor accidents can be costly for high-end vehicles, and a lower deductible reduces your unexpected out-of-pocket expenses.&nbsp;<\/p>\n\n\n\n<p><br>As long as you can afford it, aren\u2019t a high-risk driver, and don\u2019t drive a new or a luxury vehicle, it\u2019s generally better to choose a higher deductible because it reduces your insurance premiums.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png 250w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Megan Lee            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News &amp; World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1.png 250w, \/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Amy Bobinger            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars. Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry\u2019s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A deductible is what you pay out of pocket for a loss before your insurance covers the rest. Most deductibles are around $500, but they can range from $0 to around $2,500.<\/p>\n","protected":false},"author":19,"featured_media":53318,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"main-author\"},{\"id\":\"4\",\"type\":\"co-author\"},{\"id\":\"115\",\"type\":\"editor\"},{\"id\":\"187\",\"type\":\"reviewer\"}]","jerry_author_ids":[366,4],"jerry_idx_page_label":"","jerry_meta_desc":"A deductible is the amount you have to pay your insurer before receiving a payout. The most common deductible is $500, but options can range from $0 to as much as $2,500.","jerry_related_posts":"[31096,28135,21838,28188,34500]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"categories":[],"tags":[102,144,619],"class_list":["post-5056","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-inspections","tag-deductibles","tag-resource_car_insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/5056","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=5056"}],"version-history":[{"count":15,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/5056\/revisions"}],"predecessor-version":[{"id":66698,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/5056\/revisions\/66698"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/53318"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=5056"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=5056"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=5056"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}