high deductible vs low deductible car insurance

So wondering would it make sense to pick High deductible plan and pay less monthly premiums. So if you hit someone else at a red light, your insurance will pay the entire cost (up to your coverage limits) of repairs to the other driver’s vehicle. While it has a low monthly premium, the HDHP plan carries a higher deductible, which is the amount you yourself must meet before your plan benefits kick in to cover the cost of care. a low deductible car insurance policy is probably smart. There are two kinds of copays. I called Couri Insurance and spoke to Jerry Couri directly. I've been going through Couri for...... well I don't remember now it's been that long. Many high-deductible health plans, especially those with the lowest premiums, have deductibles close to their out-of-pocket limits, often $5,000 or more. “Good deal,” you think, and so you opt for the $1,000 deductible. I've worked with Couri Insurance for about a year now. Choose an amount you're comfortable with, but always consider the value of your vehicle. In that case, going for a high deductible for an expensive car makes sense because the savings are considerable. We have always been appreciative of the kindness and caring associates. My husband and I bought a new house in May. Thanks Couri Insurance!! The Couri agents are always helpful and knowledgeable and often suggest ways that I can save. It lowers your monthly premiums, sometimes dramatically. Competitive rates and helpful agents any time we have needed them. Never once dis we feel that they were trying to sell us something we didn't need. Keep in mind that deductibles typically only apply to claims made against your own vehicle. Their response time is amazing and they are always willing to help investigate questions we have. The people are very helpful and courteous! Been with them for years, never been disappointed. I have my home and auto and all my small business insurance with them as well. Whether you should choose high or low car insurance deductibles depends on several factors, including what kind of vehicle you drive, your driving history, and how much you can afford to pay out of pocket for repairs. Thank you Jerry and Judie Couri, and the kind and and helpful agents at Couri Insurance. Super friendly family run business. Being thankful not only shows good manners, but a simple expression of thankfulness can go a long way in relationships and communication with others. All rights reserved. Our company has gone through many changes over this time period and Couri Insurance has unavailingly been by our side. Couri Insurance has always taken care of everything I’ve needed and always in a timely fashion. A deductible is the amount you pay before your insurance kicks in. Compare.com Insurance Agency, LLC is a Virginia domiciled licensed insurance agency in 51 US jurisdictions. They always get the job done! We wouldn't want to use anyone else. Mike lambert knows his stuff. When I had a car accident that totaled my car they approved a new car in 24 hours of the accident and the agent for acuity could not have been nicer! A deductible is the amount you have to pay each year for covered health care services before your insurance plan kicks in and covers costs. If you’ve ever purchased an automobile insurance policy, you’re probably familiar with the question “and what would you like your deductible to be?”. Meeting a deer at 70 MPH(the legal speed limit) in pouring rain (hundreds of miles from home can create a great deal of damage(and stress). Needs both for our specific needs and for affordable costs of need!... Helping protect our business and for affordable costs premium will be, and renters insurance, home... Agency had them sent to us in those times of need!!!. 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