Plan on paying out of pocket for all repairs within a few hundred dollars of your deductible.
If you must file a claim:
- Speak with your agent to see if doing so will affect your policy—people have been dropped for simply filing claims a few years apart.
- Consider auto and life coverage with the same company. It’s cheaper, plus the insurer may be less likely to cancel a policy if it has other business with you.
- Ask about raising your deductible to $1,000 or $2,500, it helps you save on your monthly premiums and deters you from making small claims.