Insurance deductible
Guess it depends on where you live. I presently live in DE and my comprehensive insurance with Zero deductible is $28.91 on my 4RUNNER and 55.50 on my new Lexus LS460AWD. I consider that cheap as one stone ding can cost a couple of hundred to repair. Comprehensive claims will not increase your insurance rates, at least not with my insurance company. When I lived in CA I had $500 deductible because the rates were really high.
Guess it depends on where you live. I presently live in DE and my comprehensive insurance with Zero deductible is $28.91 on my 4RUNNER and 55.50 on my new Lexus LS460AWD. I consider that cheap as one stone ding can cost a couple of hundred to repair. Comprehensive claims will not increase your insurance rates, at least not with my insurance company. When I lived in CA I had $500 deductible because the rates were really high.