The point of car insurance is to pay for things you can’t afford yourself. $2,000 in repairs from a crash. Not something costing a few hundred dollars. It makes sense to raise your deductible (what you pay in case of crash) as high as you can afford. This way you pay for what you can afford, and anything above that, insurance pays. This lowers your premiums (payment to insurance) since insurance knows it won’t have to pay for every single dent.
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