{"id":345,"date":"2016-02-11T07:30:11","date_gmt":"2016-02-11T07:30:11","guid":{"rendered":"http:\/\/www.keystoneinsurance.us\/?p=345"},"modified":"2016-03-07T17:11:13","modified_gmt":"2016-03-07T17:11:13","slug":"insurance-basics-how-to-choose-a-deductible","status":"publish","type":"post","link":"https:\/\/keystoneinsurance.us\/?p=345","title":{"rendered":"Insurance Basics – How To Choose A Deductible"},"content":{"rendered":"

\"February_Blog_2\"<\/a><\/p>\n

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Deductibles are a big part of your insurance policy and it\u2019s important to know what they mean and to choose the right amount.\u00a0 Let\u2019s talk about the basics!<\/p>\n

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The collision and comprehensive coverage on your vehicle will each have a deductible listed.\u00a0 The deductible is the amount YOU will pay out of pocket before your insurance kicks in.<\/p>\n

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So if you choose a $500 deductible and have an accident, then you will pay $500 and your insurance will cover the rest (up to your policy limits.\u00a0 Ask us about your particular policy for specifics.)\u00a0 Deductible options vary from $1000, $500, $250, even as low as $50 in some cases.<\/p>\n

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So how do you choose the right one for you?<\/p>\n

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First it\u2019s important to see how your deductible affects your rate.\u00a0 The lower amount you pay out of pocket after an accident, the higher your insurance premium.\u00a0 This means you\u2019ll pay more each month for insurance if you choose to pay less after a claim.\u00a0 We can quote your policy with different deductibles to give you an idea of the cost.<\/p>\n

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Second, you want to look at your savings.\u00a0 If you have a good amount of emergency savings and could easily pay out $1000 after a claim, then you would probably want to look at a higher deductible in order to save on premiums.\u00a0 On the other hand, if you have very little savings and couldn\u2019t pay out that much after a claim, you might want to look at a slightly lower deductible that stills fits in your budget.<\/p>\n

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And finally the best option – ask your agent for help!\u00a0 We can sit down and explain ALL the options, rates, and discuss your personal situation in detail.\u00a0 This way you know that you\u2019ve got the best coverage at the best possible rate.\u00a0 Call us today to start your quote.<\/p>\n

Zappia Insurance and Financial Group<\/strong><\/p>\n

Toll-Free 1-800-569-2867 – DuBois (814) 371-4901 – Pittsburgh (412) 265-6383<\/strong><\/p>\n

\"2016<\/a><\/p>\n

Thank you for voting us the 2016 Favorite Insurance Agency in the Tri-County Sunday and Courier-Express Readers’ Choice Awards!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

  Deductibles are a big part of your insurance policy and it\u2019s important to know what they mean and to choose the right amount.\u00a0 Let\u2019s talk about the basics!   The collision and comprehensive coverage on your vehicle will each have a deductible listed.\u00a0 The deductible is the amount YOU will pay out of pocket […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[11],"tags":[],"class_list":["post-345","post","type-post","status-publish","format-standard","hentry","category-car-truck-insurance"],"aioseo_notices":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5ZNiF-5z","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/345","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=345"}],"version-history":[{"count":2,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/345\/revisions"}],"predecessor-version":[{"id":382,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/345\/revisions\/382"}],"wp:attachment":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=345"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=345"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=345"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}