Can't afford your deductible? Here's how the car gets fixed anyway.
Every week someone tells us they're driving a crumpled car because they can't come up with the deductible. You have more options than you think.
1. Let us waive it
On qualifying insurance repairs we absorb up to $1,000 of your deductible. For most drivers that takes the number to zero. Start here; the other three are for what's left.
2. Finance the remainder with no payments for 90 days
Deductible over $1,000? Snap and EasyPay approve most applicants in minutes, often without a hard credit check, and the first payment is 90 days out. Apply from your phone in the lobby or online.
3. Claim against the at-fault driver
If someone else caused it, their insurer owes the whole repair and there is no deductible. We help you file and we talk to their adjuster.
4. Pay what's left at pickup, not up front
Nothing is due to start the repair. Any remaining balance is collected when the car is done, after you've seen it. Cash, Zelle or card.
What not to do
Don't take the insurance check and skip the repair; unrepaired damage lowers the car's value and can void future claims on the same panel. Don't let a shop 'make the deductible disappear' by inflating the estimate; that's fraud with your name on the claim.
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
Do I pay anything to drop the car off?
No. The deductible, if any, is due at pickup.
What credit score does financing need?
Snap and EasyPay serve a wide range, including rebuilt and limited credit. Approval is instant on your phone and doesn't affect your score to check.
Can I pay the remainder in cash over a few weeks?
We can hold a finished car briefly, but storage applies after 72 hours. Financing is usually the cleaner answer.
Deductible help
More on deductibles
Common questions
- How does a body shop waive a $1,000 deductible?
- $500 vs $1,000 deductible: what you actually pay
- 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?
- $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
Get directions