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Cost vs. Benefit

Our cost versus benefit is not an opinion page. The items listed are here to help you in your decision making process. We do not know your income status and all of the other factors used to help you in you purchasing decision. We merely make this page available to you to let you know where you have some "room to maneuver."

The first discussion topic is deductibles. Popular theory says that the rule of thumb is to take the highest deductible you can afford. That is the key phrase; "the highest deductible YOU CAN AFFORD." Take time to factor your monthly budget for all expenses to determine whether or not a certain deductible is appropriate. The higher the deductible, the amount you choose to pay for repairs, the lower the overall premium. If you have a loan on your vehicle, you should check with your lender before removing your deductible. Your lender may require that deductibles be maintained until your loan has been paid off.

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