If you only want to pay cheap auto insurance rates, this little tip will help you a great deal. While it is not the general practice that an insurance agent tells you beforehand about the level of the deductible in the insurance plan, it is up to you to ask for this particular details, before signing a contract on a car insurance policy.
Do not hesitate to raise the level of the deductible, if you think you are paying too much on insurance already. Having more consistent deductibles on car insurance lower the overall price of insurance with up to 40%, which is not little, seeing how expensive insurance can get.
But above all else, make sure you are comfortable with the level of deductible you select. If you do not have this amount of cash readily available at the time of a claim, you could find yourself stuck in a bad spot.