Should i claim insurance?

[SailDesign]

Originally Posted by mazilla

"Rewarded" huh....is that what your country has let you believe is a "reward"? I can call my insurance co tomorrow and change my deductible up and down from zero to whatever number I decide. Sucks to be Canadian, I guess.

Yubbut, Mazilla, if you call up and adjust your deductible to zero, your rates go up.
In the UK, where I grew up, they had what they called a No-Claims Bonus, and after 10 years or so, it could drop your payments to about 50% of the original.

[mazilla]

Originally Posted by SailDesign

Yubbut, Mazilla, if you call up and adjust your deductible to zero, your rates go up.
In the UK, where I grew up, they had what they called a No-Claims Bonus, and after 10 years or so, it could drop your payments to about 50% of the original.

True, but the increase is insignificant if you have a claim...I think mine went up about 12 dollars a month to have a 50.00(comprehensive) deductible. I keep my collision deductible @ 500 because it seems to make a bigger difference. Occasionally somebody will do something to my car(steal something, scratch it, etc) and since it's not my fault, and not an accident, it's does not increase my rates.