Auto Insurance Deductible | Jason Herman Insurance Agency/title> <meta name="keywords" content="conover, hickory, nc, free quote, auto, accident, life, business, umhomeowners, low cost, insurance, income, atv, boat, rv, affordable, money saving, north carolina, herman, agency, deductible, premium, claim"> <meta name="description" content="Choosing a deductible is all about deciding how much rish you want to assume vs. how much risk you're asking your insurance company to take."><meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1"> <script language="JavaScript" type="text/JavaScript">  </script> <link rel="stylesheet" href="thumbnailviewer.css" type="text/css" /> <script src="thumbnailviewer.js" type="text/javascript"> </script> <style type="text/css">  </style> </head> <body background="images/bluebackground1.jpg" topmargin="0"> <div align="center"> <table width="767" border="0" cellspacing="0" cellpadding="0"> <tr> <td><table width="767" border="0" cellpadding="0" cellspacing="0" bgcolor="#FFFFFF"> <tr> <td width="13" height="731" background="images/shadowgrayleft.jpg"> </td> <td width="746" align="left" valign="top"><table width="100%" border="0" align="center" cellpadding="0" cellspacing="0"> <tr valign="top"> <td width="741" align="center" valign="bottom" scope="col"> <div align="center"> <table width="91%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="746"> <table width="106" border="0" cellspacing="0" cellpadding="0"> <tr> <td valign="top"> <img src="images/hermaninsurancetopheader.jpg" alt="Jason Herman Insurance" title="Jason Herman Insurance" width="746" height="106" border="0" usemap="#MapMapMapMap" href="http://www.nationwide.com"> <map name="MapMapMapMap"> <area shape="rect" coords="573,0,721,99" href="contact.htm"> <area shape="rect" coords="19,34,477,74" href="index.htm"> <area shape="rect" coords="405,82,552,102" href="http://www.jasonhermaninsurance.com/blog" target="_blank"> </map> <table width="106" border="0" cellspacing="0" cellpadding="0"> <tr> <td valign="top"> <map name="MapMapMap2"> <area shape="rect" coords="651,2,739,21" href="http://www.nationwide.com" target="_blank"> <area shape="rect" coords="529,4,637,24" href="http://www.mynationwide.com" target="_blank"> <area shape="rect" coords="579,38,730,78" href="contact.htm"> <area shape="rect" coords="19,34,511,83" href="index.htm"> </map> </td> </tr> <tr> <td height="26" background="images/button_mid_gray.jpg"> <table width="95%" border="0" align="center" cellspacing="0"> <tr> <td><table width="101%" border="0" cellpadding="0" cellspacing="0" class="unnamed1"> <tr> <td width="13%" class="unnamed1"><a href="index.htm" class="unnamed1"><strong>Home</strong></a></td> <td width="16%"><a href="about.htm" class="unnamed1"><strong>About Us</strong></a></td> <td width="15%"><a href="services.php" class="unnamed1"><strong>Services</strong></a></td> <td width="23%"><a href="whychooseus.php" class="unnamed1"><strong>Why Choose Us</strong></a></td> <td width="19%"><a href="testimonials.php" class="unnamed1"><strong>Testimonials</strong></a></td> <td width="14%"><a href="contact.htm" class="unnamed1"><strong>Contact Us </strong></a></td> </tr> </table></td> </tr> </table></td> </tr> <tr> <td><a href="quote.php"><img src="images/menufrontsm.jpg" alt="Get A FREE Quote" title="Get A FREE Quote" width="745" height="104" border="0" href="http://www."></a> </td> </tr> <tr> <td> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="205" align="left" valign="top"> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><div align="center"> <table width="100%" height="241" border="0" cellpadding="0" cellspacing="0"> <tr> <td> </td> <td align="center" class="agtext"><img src="images/insurancetopbracket.jpg" alt="Bracket" title="Bracket" width="194" height="29"></td> <td background="images/shadow_back.jpg"> </td> </tr> <tr> <td> </td> <td align="center" class="agtext"><table width="85%" border="0" cellspacing="0"> <tr> <td><p><span class="agtext"><em>“</em>The Jason Herman Agency always offers me money saving options with my insurance. When I switched to Jason Herman Insurance Agency I saved $400 per year on my insurance.”</span><font size="2" face="Arial, Helvetica, sans-serif"><br> <br> </font><strong>Paul, <br> Conover, NC</strong> </p> <p><strong><a href="testimonials.php" class="agtext">Read other comments<br> about Jason Herman Insurance ></a></strong></p></td> </tr> </table></td> <td> </td> </tr> <tr> <td width="15"> </td> <td align="center" class="agtext"><img src="images/insurancebottombracket.jpg" alt="Bracket" title="Bracket" width="194" height="29"><br> <a href="http://www.facebook.com/pages/Conover-NC/Jason-Herman-Insurance-Agency-LLC/351853195030?ref=search&sid=1759518990.471857139..1" target="_blank"><img src="images/facebook_fanicon.jpg" alt="Facebook - Become A Fan" title="Facebook - Become A Fan" width="164" height="40" border="0"></a> </td> <td width="15"> </td> </tr> </table> </div></td> </tr> </table></td> </tr> <tr> <td height="35"> </td> </tr> </table> </td> <td width="541" align="left" valign="top" bgcolor="#FFFFFF"> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="80%" height="60" align="left" valign="middle"> <p align="left" class="agtextblue"><strong>Frequently Asked Questions<br> </strong></p></td> </tr> </table></td> </tr> <tr> <td height="144" valign="middle"><table width="100%" border="0" cellspacing="0"> <tr> <td><table width="100%" border="0" cellspacing="0"> <tr> <td width="65%" class="agtext"><p class="agtext"><a href="faq.htm">Back to Questions > </a></p> <p class="agtextbluesm">How do I choose an auto insurance deductible? </p> <p class="agtext"><strong>Choosing a deductible is all about deciding how much risk you want to assume vs. how much risk you’re asking your insurance company to take.</strong></p> <p class="agtext">Here are some things to consider when choosing a deductible:</p> <p class="agtext"><strong>1. A higher deductible means lower premium costs</strong><br> Choosing a higher deductible means you are willing to pay more out of pocket for any covered auto insurance claim. When you take more of the risk, your insurance company charges you less on your insurance premium.</p> <p class="agtext"><strong>2. Choose a deductible you can afford to pay in the event of a claim</strong><br> A higher deductible can lower your insurance premium. But make sure you have enough money available to pay your deductible if you get into an accident and need to file a claim.</p> <p class="agtext"><strong>3. Consider the age and condition of your vehicle</strong><br> Cars in poor condition or over 10 years in age are typically worth less. Consider the actual cash value of your car compared to the deductible amounts. For example, if your car is 15 years old with an Actual Cash Value of $1000, you might not want a $1000 deductible. In some situations, the age and condition of a car may mean less insurance coverages are needed.</p> </td> </tr> </table></td> </tr> </table> <p class="agtextblue"> </p></td> </tr> </table></td> </tr> </table></td> </tr> </table></td> </tr> </table></td> </tr> </table> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td height="68" valign="bottom"><table width="100%" height="68" border="0" cellpadding="0" cellspacing="0"> <tr> <td width="762" height="68" valign="middle" background="images/hermaninsurancebottback.jpg"> <div align="center"> <table width="100%" border="0" cellspacing="0"> <tr> <td><div align="center"><a href="index.htm" class="headertext" rel="nofollow">Home</a> | <a href="about.htm" class="headertext" rel="nofollow">About Us </a> | <a href="whychooseus.php" class="headertext" rel="nofollow">Why Choose Us</a> | <a href="services.php" class="headertext" rel="nofollow">Services</a> | <a href="quote.php" class="headertext" rel="nofollow">Free Quote</a> | <a href="http://www.stephillassociates.com/backupportal" class="headertext"></a><a href="faq.htm" class="headertext" rel="nofollow">FAQ's</a> | <a href="testimonials.htm" class="headertext" rel="nofollow">Testimonials</a> | <a href="contact.htm" class="headertext">Contact Us</a> | <a href="privacy.php" class="headertext">Privacy Policy</a></div></td> </tr> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="15" height="30"> </td> <td><p align="center"><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">© 2010 Jason Herman Insurance, LLC, All Rights Reserved.</font></p></td> <td width="15"> </td> </tr> </table></td> </tr> </table></td> </tr> </table> </div></td> </tr> </table></td> </tr> </table> </div></td> </tr> </table></td> <td width="13" background="images/shadowgrayright.jpg"> <div align="center"> </div></td> </tr> </table> <map name="MapMapMap"> <area shape="rect" coords="579,38,730,78" href="contact.htm"> <area shape="rect" coords="529,4,637,24" href="http://www.mynationwide.com" target="_blank"> <area shape="rect" coords="651,2,739,21" href="http://www.nationwide.com" target="_blank"> <area shape="rect" coords="19,34,511,83" href="index.htm"> </map> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="9" height="18" background="images/botspotright.jpg"> </td> <td width="749" background="images/shadowgraybottom.jpg"> </td> <td width="10" background="images/botspotleft.jpg"> </td> </tr> </table></td> </tr> </table> </div> <map name="MapMap"> <area shape="rect" coords="579,38,730,78" href="contactus_2.php"> <area shape="rect" coords="529,4,637,24" href="http://www.mynationwide.com" target="_blank"> <area shape="rect" coords="651,2,739,21" href="http://www.nationwide.com" target="_blank"> <area shape="rect" coords="19,34,511,83" href="index.htm"> </map> <script type="text/javascript"> var _gaq = _gaq || []; _gaq.push(['_setAccount', 'UA-2864129-23']); _gaq.push(['_trackPageview']); (function() { var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; ga.src = ('https:' == document.location.protocol ? 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