What are the most common deductibles for cars?

[LoneRonin]

I know for bikes its usually 500-1000 bucks and the higher you go the less of a premium you pay.
What about for cars? Say if you have 15-30 thousand dollar car with a million dollar policy how much would you be looking at roughly for a deductible? To make it easier just post up what your's is if you don't mind...

Also if you have multiple vehicles on one policy do they each have their own deductible or is it just a single one? For example lets say I crashed both my cars and my deductible is $1000, would I pay just the thousand bucks and file a single claim for both vehicles or separate claims and pay separate deductibles?

I ask because I'm wondering if its worth moving my car over to my bike policy rather than staying as a secondary driver on my dad's.

 

[VifferFun]

I know for bikes its usually 500-1000 bucks and the higher you go the less of a premium you pay.
What about for cars? Say if you have 15-30 thousand dollar car with a million dollar policy how much would you be looking at roughly for a deductible? To make it easier just post up what your's is if you don't mind...

Also if you have multiple vehicles on one policy do they each have their own deductible or is it just a single one? For example lets say I crashed both my cars and my deductible is $1000, would I pay just the thousand bucks and file a single claim for both vehicles or separate claims and pay separate deductibles?

I ask because I'm wondering if its worth moving my car over to my bike policy rather than staying as a secondary driver on my dad's.

The most common deductibles for cars are:

Collision: $500
Comprehensive: $300 or $500

You pay a deductible for each incident for each vehicle. If you have two cars on the same policy parked in your driveway and both are vandalized on the same day, you would have to pay the Comprehensive deductibles for both vehicles. i.e. If you have $500 deductibles, you would have to pay $1000 and then your insurer would cover the rest.

 

[Wasted]

It's also important to remember to never set your deductibles to an amount higher that you can pay without warning. Don't get sucked into $1000 or $1500 deductibles to save a few bucks a month if you can't come up with that kind of cash on any random day. I talk to people all the time who realize they can't afford their deductibles after the fact!!

 

[nfq]

Some insurance companies (like Allstate) will do reducing deductibles for every claim-free/accident-free year you have a policy with them. I.e. Year 1=$500 deductible, Year 2=$400 deductible, year 3=$300, etc. Your deductible becomes 0, but your premium is rated as if you had a $500 deductible.