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Will it be cheaper in the long run for you to [link widoczny dla zalogowanych] have a higher deductible or a policy with the minimum coverage? Lets explore a scenario. You are involved [link widoczny dla zalogowanych] in an accident and are found at fault. You have a policy that has a $500 deductible and $15,000 bodily injury coverage; however the actual costs were $30,000. You would be responsible for not only the $500 deductible, but also the $15,000 that is not [link widoczny dla zalogowanych] covered by your car insurance policy. So, you want to ask yourself, what makes more sense: to have a policy with a $1,000 deductible, which might have covered the actual costs or a lower deductible and [link widoczny dla zalogowanych] a policy with the minimum coverages. In the first scenario you would have paid out $15,500 and in the second scenario, you would have paid $1,000.

Its not black and white and each persons situation is different. Thats why it pays to get a few quotes with different coverage limits so you can compare each option and make a decision that is best for your overall financial situation. The bottom line is that selecting minimum [link widoczny dla zalogowanych] coverages may end up costing you more in the future even though it may save you money in the short-term.