Auto Insurance Claims: Car break in at the gym, nothwood, company insurance

Question
My car was broken in at the gym. Do I have to pay my (1000) dedectuble,will my rates increase?  

Answer
Hello Mahamed,

If your deductible for comprehensive is $1,000.00, yes.

Comp (theft and fire) is usually not very expensive, but it depends on where you are located. I know the East Coast is expensive for comp.
In the nothwood of Wisconsin, the difference between a $1,000 dd and a $25 dd is only a couple of bucks a month.

As for your rates increasing, depends on the company.

Insurance should be used for catstphic claims. If you have the $1000 dd, maybe you can repair for half.

These days insurance companies are hard to determine what they will do. I have seen 2 theft claims to a person the same year got him cancelled.

Rob