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Without changing your insurance company or agent. Introducing the Collision Deductible Reserve Plan from IDA - available Sept. 8, 2008. http://www.thecdrp.com Why do I need the CDRP? If you're like most drivers you carry a $250 or $500 collision insurance deductible. By raising your collision insurance deductible to $1, 000 you can save up to 40% on your overall insurance premium. Saving just $10.00 per month over a 30-year driving career would result in saving thousands of dollars. You're probably thinking "why don't I just save a $1, 000 myself?". Well, trying to accumulate $1, 000 at a rapid pace, after raising your collision deductible to $1, 000, introduces the "additional risk" of having to pay a high collision deductible before you have saved $1, 000. And, since most people do not have an extra $1, 000 available to spend in case they have a collision, the CDRP ensures that a high collision deductible can be paid even before you have saved $1, 000.
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