Insurance guides and explainers — deductibles, premiums, claims, and everything you need to make smarter insurance decisions.
Harvard University successfully dismissed a federal lawsuit alleging it ignored antisemitism on campus, shedding light on the broader implications for civil rights enforcement in education.
Harvard University successfully dismissed a federal lawsuit alleging it ignored antisemitism on campus, shedding light on the broader implications for civil rights enforcement in education.
A deductible is the amount you pay out of pocket before your insurance starts paying a claim. Choosing a higher deductible — say $1,000 instead of $500 — lowers your premium, often by 10-20%. The key is picking a deductible you could comfortably pay from savings if you had to file a claim tomorrow.
The most reliable ways to save: compare quotes from at least three insurers every year or two, bundle auto and home policies for a multi-policy discount, raise your deductibles, maintain good credit in states where it is allowed as a rating factor, and ask about discounts you may already qualify for — safe driver, security systems, paperless billing and pay-in-full.
