$500 vs $1,000 deductible: what you actually pay
Higher deductibles buy a cheaper premium. The bill comes due the day you crash. Here's what each one costs you at Best Deal.
Why your deductible is probably $1,000
Agents push $1,000 deductibles because they cut the premium noticeably. For many Arizona families that is the right call, until the day a $1,000 bill lands at the worst possible time. That is exactly the gap our waiver is built for.
The numbers
$500 deductible: we waive $500, you pay $0. $1,000: we waive $1,000, you pay $0. $1,500: we waive $1,000, you pay $500. $2,000: we waive $1,000, you pay $1,000, financeable with no payments for 90 days.
Should you lower your deductible?
That is between you and your agent. What we can tell you is that with Best Deal, a $1,000 deductible behaves like a $0 deductible on qualifying repairs, so there is less reason to pay a higher premium for a lower one.
What would you pay?
- We waive
- $1,000
- You pay toward your deductible
- $0
On qualifying insurance repairs. The exact amount is written on your estimate before work starts.
Real numbers, no fine print
| Your deductible | We waive | You pay |
|---|---|---|
| $500Most common collision deductible | $500 | $0 |
| $1,000The one that stops people from fixing the car | $1,000 | $0 |
| $1,500Higher deductible, lower premium | $1,000 | $500 |
| $2,000High-deductible policy | $1,000 | $1,000 |
Qualifying insurance repairs. If your repair is under $1,000, we cannot waive more than the repair costs.
Common questions
Which deductible applies, collision or comprehensive?
Collision for crashes. Comprehensive for hail, theft, vandalism, animals and falling objects. They are often different amounts; check your declarations page.
Does the waiver apply to comprehensive claims too?
Yes, on qualifying repairs.
Can I split a remaining balance into payments?
Yes. Snap and EasyPay offer no payments for 90 days with approved credit.
Deductible help
More on deductibles
Common questions
- How does a body shop waive a $1,000 deductible?
- The accident wasn't my fault. Do I pay a deductible?
- Is waiving a deductible legal in Arizona?
- Comprehensive vs collision deductible: which one applies?
- Can't afford your deductible? Here's how the car gets fixed anyway.
- $0 out of pocket. Here's how the math works.
- Hit-and-run: who pays the deductible?
By insurance company
Send a few photos. We'll take it from there.
Upload pictures of the damage for a preliminary price range, or call and talk to someone at the shop.
Visit the shop
5511 N 51st Ave, Suites 108 & 109
Glendale, AZ 85301
Open every day, 7 AM – 6 PM
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