{"id":11556,"date":"2018-10-25T04:15:20","date_gmt":"2018-10-25T11:15:20","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=11556"},"modified":"2021-09-05T06:51:07","modified_gmt":"2021-09-05T13:51:07","slug":"100-words-on-when-high-car-insurance-deductibles-make-sense-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html","title":{"rendered":"100 Words On: When High Car Insurance Deductibles Make Sense"},"content":{"rendered":"

\"\"<\/a>While most people strive to keep their car insurance deductibles<\/a> as low as possible, the downside is those deductibles result in higher premiums. But for folks who drive limited miles, safe motorists, and those who drive older vehicles that have lost most of their value, it usually makes sense to get the highest deductible one can reasonably afford. That’s because higher deductible policies offer lower premiums that, over time, can result in significant cost savings.<\/p>\n

The bottom line:<\/strong> Remember, car insurance isn’t intended to cover minor fender benders — it’s designed to protect you from losses you can’t afford to replace.<\/p>\n

Photo Credit: H.L.I.T.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

While most people strive to keep their car insurance deductibles as low as possible, the downside is those deductibles result in higher premiums. But for folks who drive limited miles, safe motorists, and those who drive older vehicles that have lost most of their value, it usually makes sense to get the highest deductible one […]<\/p>\n","protected":false},"author":1,"featured_media":49759,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[473,456,460,467],"tags":[],"class_list":{"0":"post-11556","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-100-words","8":"category-cars","9":"category-insurance","10":"category-shopping","11":"pmpro-has-access","12":"entry"},"yoast_head":"\n100 Words On: When High Car Insurance Deductibles Make Sense<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"100 Words On: When High Car Insurance Deductibles Make Sense\" \/>\n<meta property=\"og:description\" content=\"While most people strive to keep their car insurance deductibles as low as possible, the downside is those deductibles result in higher premiums. But for folks who drive limited miles, safe motorists, and those who drive older vehicles that have lost most of their value, it usually makes sense to get the highest deductible one […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html\" \/>\n<meta property=\"og:site_name\" content=\"Len Penzo dot Com\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/LenPenzo\" \/>\n<meta property=\"article:published_time\" content=\"2018-10-25T11:15:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-09-05T13:51:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/04\/car-crash-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"375\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Len Penzo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:site\" content=\"@LenPenzo\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Len Penzo\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html\"},\"author\":{\"name\":\"Len Penzo\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/person\\\/3968bb46693d14b2ae2ab4958aa41dfd\"},\"headline\":\"100 Words On: When High Car Insurance Deductibles Make Sense\",\"datePublished\":\"2018-10-25T11:15:20+00:00\",\"dateModified\":\"2021-09-05T13:51:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html\"},\"wordCount\":116,\"commentCount\":18,\"publisher\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2012\\\/04\\\/car-crash-1.jpg\",\"articleSection\":[\"100 Words\",\"Cars\",\"Insurance\",\"Shopping\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html\",\"name\":\"100 Words On: When High Car Insurance Deductibles Make Sense\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2012\\\/04\\\/car-crash-1.jpg\",\"datePublished\":\"2018-10-25T11:15:20+00:00\",\"dateModified\":\"2021-09-05T13:51:07+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#primaryimage\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2012\\\/04\\\/car-crash-1.jpg\",\"contentUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2012\\\/04\\\/car-crash-1.jpg\",\"width\":500,\"height\":375},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/lenpenzo.com\\\/blog\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"100 Words On: When High Car Insurance Deductibles Make Sense\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/\",\"name\":\"Len Penzo dot Com\",\"description\":\"The offbeat personal finance blog for responsible people.\",\"publisher\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#organization\",\"name\":\"Len Penzo dot Com\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/Block_L.png\",\"contentUrl\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/Block_L.png\",\"width\":359,\"height\":360,\"caption\":\"Len Penzo dot Com\"},\"image\":{\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"http:\\\/\\\/www.facebook.com\\\/LenPenzo\",\"https:\\\/\\\/x.com\\\/LenPenzo\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/lenpenzo.com\\\/blog\\\/#\\\/schema\\\/person\\\/3968bb46693d14b2ae2ab4958aa41dfd\",\"name\":\"Len Penzo\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/779ff799a8fbdf9cd0cb6f9b1cd7ff58e9726e79c4df9213b22471192452c500?s=96&d=monsterid&r=r\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/779ff799a8fbdf9cd0cb6f9b1cd7ff58e9726e79c4df9213b22471192452c500?s=96&d=monsterid&r=r\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/779ff799a8fbdf9cd0cb6f9b1cd7ff58e9726e79c4df9213b22471192452c500?s=96&d=monsterid&r=r\",\"caption\":\"Len Penzo\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"100 Words On: When High Car Insurance Deductibles Make Sense","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html","og_locale":"en_US","og_type":"article","og_title":"100 Words On: When High Car Insurance Deductibles Make Sense","og_description":"While most people strive to keep their car insurance deductibles as low as possible, the downside is those deductibles result in higher premiums. But for folks who drive limited miles, safe motorists, and those who drive older vehicles that have lost most of their value, it usually makes sense to get the highest deductible one […]","og_url":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html","og_site_name":"Len Penzo dot Com","article_publisher":"http:\/\/www.facebook.com\/LenPenzo","article_published_time":"2018-10-25T11:15:20+00:00","article_modified_time":"2021-09-05T13:51:07+00:00","og_image":[{"width":500,"height":375,"url":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/04\/car-crash-1.jpg","type":"image\/jpeg"}],"author":"Len Penzo","twitter_card":"summary_large_image","twitter_creator":"@LenPenzo","twitter_site":"@LenPenzo","twitter_misc":{"Written by":"Len Penzo","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#article","isPartOf":{"@id":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html"},"author":{"name":"Len Penzo","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/person\/3968bb46693d14b2ae2ab4958aa41dfd"},"headline":"100 Words On: When High Car Insurance Deductibles Make Sense","datePublished":"2018-10-25T11:15:20+00:00","dateModified":"2021-09-05T13:51:07+00:00","mainEntityOfPage":{"@id":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html"},"wordCount":116,"commentCount":18,"publisher":{"@id":"https:\/\/lenpenzo.com\/blog\/#organization"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#primaryimage"},"thumbnailUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/04\/car-crash-1.jpg","articleSection":["100 Words","Cars","Insurance","Shopping"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#respond"]}]},{"@type":"WebPage","@id":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html","url":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html","name":"100 Words On: When High Car Insurance Deductibles Make Sense","isPartOf":{"@id":"https:\/\/lenpenzo.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#primaryimage"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#primaryimage"},"thumbnailUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/04\/car-crash-1.jpg","datePublished":"2018-10-25T11:15:20+00:00","dateModified":"2021-09-05T13:51:07+00:00","breadcrumb":{"@id":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#primaryimage","url":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/04\/car-crash-1.jpg","contentUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/04\/car-crash-1.jpg","width":500,"height":375},{"@type":"BreadcrumbList","@id":"https:\/\/lenpenzo.com\/blog\/id11556-100-words-on-when-high-car-insurance-deductibles-make-sense-2.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/lenpenzo.com\/blog"},{"@type":"ListItem","position":2,"name":"100 Words On: When High Car Insurance Deductibles Make Sense"}]},{"@type":"WebSite","@id":"https:\/\/lenpenzo.com\/blog\/#website","url":"https:\/\/lenpenzo.com\/blog\/","name":"Len Penzo dot Com","description":"The offbeat personal finance blog for responsible people.","publisher":{"@id":"https:\/\/lenpenzo.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/lenpenzo.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/lenpenzo.com\/blog\/#organization","name":"Len Penzo dot Com","url":"https:\/\/lenpenzo.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2022\/06\/Block_L.png","contentUrl":"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2022\/06\/Block_L.png","width":359,"height":360,"caption":"Len Penzo dot Com"},"image":{"@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["http:\/\/www.facebook.com\/LenPenzo","https:\/\/x.com\/LenPenzo"]},{"@type":"Person","@id":"https:\/\/lenpenzo.com\/blog\/#\/schema\/person\/3968bb46693d14b2ae2ab4958aa41dfd","name":"Len Penzo","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/779ff799a8fbdf9cd0cb6f9b1cd7ff58e9726e79c4df9213b22471192452c500?s=96&d=monsterid&r=r","url":"https:\/\/secure.gravatar.com\/avatar\/779ff799a8fbdf9cd0cb6f9b1cd7ff58e9726e79c4df9213b22471192452c500?s=96&d=monsterid&r=r","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/779ff799a8fbdf9cd0cb6f9b1cd7ff58e9726e79c4df9213b22471192452c500?s=96&d=monsterid&r=r","caption":"Len Penzo"}}]}},"_links":{"self":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/11556","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/comments?post=11556"}],"version-history":[{"count":1,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/11556\/revisions"}],"predecessor-version":[{"id":68602,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/posts\/11556\/revisions\/68602"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/media\/49759"}],"wp:attachment":[{"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/media?parent=11556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/categories?post=11556"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lenpenzo.com\/blog\/wp-json\/wp\/v2\/tags?post=11556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}