| Before you run out and file a claim with your auto | | | | want to consider paying for the damage out of your |
| insurance company, it pays to think through all the | | | | pocket, because if you file a claim your premiums |
| variable involved with making a claim. For example if | | | | could go up by as much as 40%. |
| you had someone come and break your side vehicle | | | | Many auto insurance companies use an industry |
| window, first check to see what your deductible is. If | | | | standard of approximately 40% to increase your |
| your deductible is over $500 you would be better off | | | | premiums if you file a claim. Each company is |
| taking your car to an auto glass repair shop and | | | | different, so when you're getting rate quotes ask |
| getting a quote. If the quote to fix the window is | | | | them what the average premium is when someone |
| less than $500, don't bother filing a claim and fix the | | | | files an auto insurance claim. In some cases your very |
| window yourself. | | | | first accident with your insurance company can be |
| Let's say you get rear ended driving to work. You | | | | excused and you won't see an increase in your |
| take down the insurance information of the other | | | | premiums. Make sure to ask about this when you are |
| driver and you then you go get an estimate to fix or | | | | looking at many auto insurers like Geico, Nationwide, |
| replace your bumper. If the damage caused costs | | | | AIG, Insurance.com, All State and Progressive. |
| $750 to fix and your deductible is $500 you still may | | | | |