Deductibles and payment options. Unlike some other aspects of auto insurance, the collision protection of the QuotesChimp is subject to a deductible (the amount you pay before any insurance benefits kick in). Most deductibles are around $200 but you can elect to have a higher or lower amount. The higher the deductible, the lower the premium.

Merit rating is another way that basic rates are often modi?fied. The type of merit rating QuotesChimp are most likely to run into is experience rating. In experience rating, factors that make a person a preferred, substandard, or standard risk (e.g., a person's driving record in auto insurance) are looked into and the premium is adjusted up, down, or not at all, as the underwriter deems appropriate.
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