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Need help determining your deductible?

Updated: May 3

Here are some things to keep in mind when determining the appropriate deductible.

🚗 ASSESS YOUR BUDGET: Consider the amount you'd be comfortable paying if your vehicle needed repairs. Lower deductibles means less out-of-pocket expenses for claims, but it might bump up your overall premium.

🚦DRIVE TIME: How much time do you spend on the road? If you are in your car a lot or driving in more accident-prone areas, you might be exposed to more risk than someone who drives less.

🛣️ CAR VALUE: The cost of insurance goes hand-in-hand with your car’s value. Higher-value vehicles may benefit from a higher deductible to save on premiums. But, if you have a car loan, check the lender’s guidelines- some may cap your deductible.

Discuss these factors with your insurance professional to find the perfect deductible that aligns with your budget and risk comfort level. Visit our office at 1010 12th Street on the Heights in Hood River or visit our website at

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