<p>纽约友谊，2025 年 6 月 24 日（环球新闻）—— 较低的汽车保险免赔额是否总是更安全的选择？来自纽约友谊的 Schenk &amp; Miles Agency, Inc.的 Michelle Hall 在 HelloNation 中提供了更为细致的观点，解释说，合适的免赔额应反映驾驶者的财务准备、生活方式和风险承受能力，而不仅仅是避免前期费用的愿望。</p>
<p>Hall 指出，虽然低免赔额在索赔时可能带来安心，但也会导致更高的月保费。对于那些记录良好且很少索赔的驾驶者来说，更高的免赔额可以在长时间内带来可观的节省。另一方面，如果$1,000 的自付费用在财务上会造成困难，较低的免赔额可能在增加保费的情况下提供更多保护。</p>
<p>文章还敦促驾驶者考虑他们的日常环境。高交通流量区域、常规街道停车或恶劣天气地区可能会增加索赔的可能性，从而倾向于选择较低的免赔额。Hall 强调，这一决定并非一刀切，应该仔细评估财务舒适度和驾驶条件。</p>
<p>与保险代理人合作是做出明智选择的最佳方式。Hall 建议客户评估在紧急情况下他们能支付多少，然后将其与不同免赔额选项的长期节省进行权衡。这种方法确保保险覆盖与风险和财务能力相一致。</p>
<p>完整文章《大多数人对汽车保险免赔额的误解》帮助驾驶者基于知情规划而非假设做出免赔额决策。</p>
<p>关于 HelloNation</p>
<p>HelloNation 是一个顶级媒体平台，连接读者与各行业的可信专业人士和企业。通过其创新的 “教育广告” 方法，将教育内容与故事叙述相结合，HelloNation 提供专家驱动的文章，旨在告知、启发和赋能。涵盖从家庭改善和健康到商业战略和生活方式的主题，HelloNation 突显出在社区中产生重大影响的领导者。</p>
<p>Patrick McCabe</p>
<p>info@hellonation.com</p>
<p>www.hellonation.com</p>
<p>与此公告相关的照片可在 https://www.globenewswire.com/NewsRoom/AttachmentNg/7699a404-971e-4ab6-ba87-2746634b512b 获取。</p>
<p><strong>Schenk &amp; Miles Agency, Inc.的 Michelle Hall 在 HelloNation 分享选择合适汽车保险免赔额的见解</strong></p>
<p><strong>Schenk &amp; Miles Agency, Inc.的 Michelle Hall 在 HelloNation 分享选择合适汽车保险免赔额的见解</strong></p>

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<p>米歇尔·霍尔（Michelle Hall）来自 Schenk & Miles Agency, Inc.，在 HelloNation 的一篇文章中讨论了选择合适的汽车保险免赔额的重要性。她强调，免赔额应反映驾驶者的财务状况、生活方式和风险承受能力。虽然较低的免赔额提供了安心感，但它们伴随着更高的保费。霍尔建议驾驶者在做出这一决定时考虑自己的驾驶条件和财务准备，建议与保险代理人合作，以帮助将保险覆盖与个人需求对齐。完整的文章提供了有关明智选择免赔额的见解</p>

<p>FRIENDSHIP, N.Y., June 24, 2025 (GLOBE NEWSWIRE) — Is a lower auto insurance deductible always the safer choice? Michelle Hall of Schenk &amp; Miles Agency, Inc. in Friendship, New York offers a more nuanced perspective in HelloNation, explaining that the right deductible should reflect a driver’s financial readiness, lifestyle, and risk tolerance—not just a desire to avoid upfront costs.</p>
<div class="lb-trans"><p>纽约友谊，2025 年 6 月 24 日（环球新闻）—— 较低的汽车保险免赔额是否总是更安全的选择？来自纽约友谊的 Schenk &amp; Miles Agency, Inc.的 Michelle Hall 在 HelloNation 中提供了更为细致的观点，解释说，合适的免赔额应反映驾驶者的财务准备、生活方式和风险承受能力，而不仅仅是避免前期费用的愿望。</p>
</div><p>Hall points out that while low deductibles may offer peace of mind during a claim, they also result in higher monthly premiums. For drivers with clean records who rarely file claims, a higher deductible can mean substantial savings over time. On the other hand, if a $1,000 out-of-pocket payment would be financially difficult, a lower deductible might offer more protection despite the increased premium.</p>
<div class="lb-trans"><p>Hall 指出，虽然低免赔额在索赔时可能带来安心，但也会导致更高的月保费。对于那些记录良好且很少索赔的驾驶者来说，更高的免赔额可以在长时间内带来可观的节省。另一方面，如果$1,000 的自付费用在财务上会造成困难，较低的免赔额可能在增加保费的情况下提供更多保护。</p>
</div><p>The article also urges drivers to consider their everyday environments. High-traffic areas, regular street parking, or regions with severe weather can increase the likelihood of needing to file a claim, tipping the balance toward a lower deductible. Hall emphasizes that this decision is not one-size-fits-all and should involve careful evaluation of financial comfort and driving conditions.</p>
<div class="lb-trans"><p>文章还敦促驾驶者考虑他们的日常环境。高交通流量区域、常规街道停车或恶劣天气地区可能会增加索赔的可能性，从而倾向于选择较低的免赔额。Hall 强调，这一决定并非一刀切，应该仔细评估财务舒适度和驾驶条件。</p>
</div><p>Working with an insurance agent is the best way to make an informed choice. Hall advises clients to assess how much they could pay in an emergency and then weigh that against long-term savings from different deductible options. This approach ensures that coverage aligns with both risk and financial capacity.</p>
<div class="lb-trans"><p>与保险代理人合作是做出明智选择的最佳方式。Hall 建议客户评估在紧急情况下他们能支付多少，然后将其与不同免赔额选项的长期节省进行权衡。这种方法确保保险覆盖与风险和财务能力相一致。</p>
</div><p>The full article, What Most People Get Wrong About Auto Insurance Deductibles, helps drivers make deductible decisions based on informed planning rather than assumption.</p>
<div class="lb-trans"><p>完整文章《大多数人对汽车保险免赔额的误解》帮助驾驶者基于知情规划而非假设做出免赔额决策。</p>
</div><p>About HelloNation</p>
<div class="lb-trans"><p>关于 HelloNation</p>
</div><p>HelloNation is a premier media platform that connects readers with trusted professionals and businesses across various industries. Through its innovative “edvertising” approach that blends educational content and storytelling, HelloNation delivers expert-driven articles that inform, inspire, and empower. Covering topics from home improvement and health to business strategy and lifestyle, HelloNation highlights leaders making a meaningful impact in their communities.</p>
<div class="lb-trans"><p>HelloNation 是一个顶级媒体平台，连接读者与各行业的可信专业人士和企业。通过其创新的 “教育广告” 方法，将教育内容与故事叙述相结合，HelloNation 提供专家驱动的文章，旨在告知、启发和赋能。涵盖从家庭改善和健康到商业战略和生活方式的主题，HelloNation 突显出在社区中产生重大影响的领导者。</p>
</div><p>Patrick McCabe</p>
<div class="lb-trans"><p>Patrick McCabe</p>
</div><p>info@hellonation.com</p>
<div class="lb-trans"><p>info@hellonation.com</p>
</div><p>www.hellonation.com</p>
<div class="lb-trans"><p>www.hellonation.com</p>
</div><p>A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/7699a404-971e-4ab6-ba87-2746634b512b</p>
<div class="lb-trans"><p>与此公告相关的照片可在 https://www.globenewswire.com/NewsRoom/AttachmentNg/7699a404-971e-4ab6-ba87-2746634b512b 获取。</p>
</div><p><strong>Michelle Hall of Schenk &amp; Miles Agency, Inc. Shares Insight on Choosing the Right Auto Insurance Deductible in HelloNation</strong></p>
<div class="lb-trans"><p><strong>Schenk &amp; Miles Agency, Inc.的 Michelle Hall 在 HelloNation 分享选择合适汽车保险免赔额的见解</strong></p>
</div><p><strong>Michelle Hall of Schenk &amp; Miles Agency, Inc. Shares Insight on Choosing the Right Auto Insurance Deductible in HelloNation</strong></p>
<div class="lb-trans"><p><strong>Schenk &amp; Miles Agency, Inc.的 Michelle Hall 在 HelloNation 分享选择合适汽车保险免赔额的见解</strong></p>
</div>

Schenk & Miles Agency, Inc.的 Michelle Hall 在 HelloNation 上分享了如何选择合适汽车保险免赔额的见解