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Message
re: Car Insurance
Posted on 1/5/16 at 9:55 pm to Rico Tubbs
Posted on 1/5/16 at 9:55 pm to Rico Tubbs
quote:
Everyone goes to the doctor every year (hopefully)
I haven't been in years.
I look at the deductible versus premium from a break even standpoint. For example if looking at a $1000 versus $250 deductible and the monthly premium difference is $10, then it would take 75 months for me to break even if I chose the higher premium. Do you think you'll be in an at fault accident within that time frame? Statistically it depends on how much you drive, where you're located, etc. to make that decision. Obviously this excludes the comprehensive deductible but you get the point.
2
Posted on 1/5/16 at 11:23 pm to GoldenD
quote:
ok at the deductible versus premium from a break even standpoint. For example if looking at a $1000 versus $250 deductible and the monthly premium difference is $10, then it would take 75 months for me to break even if I chose the higher premium. Do you think you'll be in an at fault accident within that time frame? Statistically it depends on how much you drive, where you're located, etc. to make that decision. Obviously this excludes the comprehensive deductible but you get the point.
This is exactly what I tell my clients.
Posted on 1/6/16 at 1:06 am to GoldenD
quote:
For example if looking at a $1000 versus $250 deductible and the monthly premium difference is $10
It's not. So quit supplying BS hypotheticals
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