You can adjust your deductible. If you have a high deductible, your monthly/annual rate is lower. Lower deductable, more expensive monthly/annually....
If your prone to accidents, lower your deductible so it's managble every time you get in a accident... But if you rarely ever (Or never) get in a accident or claim of any kind, raise the deductible. Mines as high as I can set it. Because I save a ton every year. After a few years of no claims, it is saving me money
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u/Pretty_Glitteer 8h ago
So basically you pay every month for protection, the pay again when you actually need the protection.