That may be true, but that's a different discussion. The OP said he was saving 1k a year by going to a 2k deductible with the same company not by switching to a different company and in any case Met Life is a more or less respectable insurance provider I'm guessing.

Obviously, if one says they are saving 1k by going to a 2k deductible with company A over a $500 deductible with company B, that doesn't give us enough information to know if it is a good bet -- the two companies may be very different with respect customer service, timeliness of claims, etc.

So the question is -- given you are comfortable with the service provided by your insurance company -- how much would you need to save in premiums a year to move to a higher deductible.

I'm pretty sure every insurance company offers different deductible levels, and the higher the deductible the lower the premiums. I personally know USAA Geico and Allstate all do.

I got some really good rates from esurance

Esurance is crap! good luck getting your car fixed if you have a wreck!

OP....

If i were you, i would run to the nearest piece of wood and knock!

Are you saying Met Life has a bad reputation for paying claims or that the fact that he has a 2k deductible with them makes it less likely they will pay promptly than if he had a $500 deductible?

All other things being equal, I would think that having a higher deductible would make them pay faster -- they have less to pay ...

I been using esurance for years. Great prices and I have had two claims that were handled just fine.

P.S. The Astros are crap, good luck winning a world series :roflpuke2:

i was just saying that he might be jinxing himself and to go knock on some wood. I recently switched my deductible from $500 to $1000 and had to make a claim 2 months later... before that i hadnt made a claim in 10 years.

I got rearended by someone that had esurance and it was HELL getting my car fixed right and on time!

the Astros are complete CRAP this year and for many more to come... I'm not fairweather. :tup:

Never had a problem with esurance on a claim. Having a good body shop of my choice deal with the insurance adjuster has been the key to success for me with any claim. A so-so body shop that won't argue with the adjuster to get things repaired right is one to be avoided. I never use the body shop suggested by the adjuster.

But now the worse thing you can do is go back to $500 deductible. To make the averages work in your favor you gotta stick with it.

Short run doesn't matter unless you are low on cash. In the long run you'll save more than your short term loss.

:iagree: completely!

personally, I would have my insurance cover it, and have them go fight the other insurance company...

I'm a Bills fan... its been almost 12 years since we've seen the playoffs! but at 3-0 and a win against the Pats, all of a sudden we have a lot more fans :shakes head: