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Would you risk a higher deductible to lower your insurance bill?

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(@patriciareader)
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I hear you on the peace of mind thing—sometimes it’s worth every penny, especially if you’re driving something that’s expensive to repair. I’ve had years where I paid more and never filed a claim, but honestly, with the cost of parts and labor these days, I’d rather not gamble. Higher deductible might save a bit upfront, but one mishap and you’re out thousands. For me, the math just doesn’t add up unless you’re really comfortable covering a big chunk if something goes wrong.


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