AG捕鱼王在线app下载免赔额如何运作
An insurance deductible is the amount you, 被AG捕鱼王在线app下载人, pay before any claim is paid by your insurance carrier. 这取决于AG捕鱼王在线app下载的类型, a policy may set the amount of deductible, or offer you the ability to select a deductible amount.
Deductibles serve a dual purpose: they save the insurance company money (including the administrative cost of processing small claims) and may help keep your premium costs lower.
选择正确的免赔额
一般来说, the trade-off between deductible levels and insurance premiums is simple: The higher the deductible, AG捕鱼王在线app下载费用越低. Conversely, the lower the deductible, the higher the cost of insurance.
Deciding how to make that trade-off is a function of math and your own comfort level with higher out-of-pocket costs if you choose a higher deductible.
Only you can decide if saving $65 a year in premiums for a deductible that is $500 rather than $200 is worth it to you. You may find that the relationship between deductible amount and premium cost is different depending upon the type of insurance. 例如, the savings with a higher deductible may be significant with auto insurance, but much less so with homeowners insurance.1
Not only will this relationship between deductibles and premiums differ based on insurance type, but it may differ based upon other factors, such as your age and the value of your car, 例如.
When you consider the appropriate deductible level for health insurance coverage, remember that deductibles may be on each member of the family.
购买AG捕鱼王在线app下载时, you should always ask your insurance agent what the premium costs are at each of the available deductible levels. Knowing that information may help you make a sound decision regarding your coverage.
1. 仅供说明之用. This example is not meant to indicate any actual relationship between deductible amount and insurance premium cost.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品, 有限责任公司, is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和 material provided are for general information, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 消费品套件.
