<p>紐約友誼，2025 年 6 月 24 日（環球新聞）—— 較低的汽車保險免賠額是否總是更安全的選擇？來自紐約友誼的 Schenk &amp; Miles Agency, Inc.的 Michelle Hall 在 HelloNation 中提供了更為細緻的觀點，解釋説，合適的免賠額應反映駕駛者的財務準備、生活方式和風險承受能力，而不僅僅是避免前期費用的願望。</p>
<p>Hall 指出，雖然低免賠額在索賠時可能帶來安心，但也會導致更高的月保費。對於那些記錄良好且很少索賠的駕駛者來説，更高的免賠額可以在長時間內帶來可觀的節省。另一方面，如果$1,000 的自付費用在財務上會造成困難，較低的免賠額可能在增加保費的情況下提供更多保護。</p>
<p>文章還敦促駕駛者考慮他們的日常環境。高交通流量區域、常規街道停車或惡劣天氣地區可能會增加索賠的可能性，從而傾向於選擇較低的免賠額。Hall 強調，這一決定並非一刀切，應該仔細評估財務舒適度和駕駛條件。</p>
<p>與保險代理人合作是做出明智選擇的最佳方式。Hall 建議客户評估在緊急情況下他們能支付多少，然後將其與不同免賠額選項的長期節省進行權衡。這種方法確保保險覆蓋與風險和財務能力相一致。</p>
<p>完整文章《大多數人對汽車保險免賠額的誤解》幫助駕駛者基於知情規劃而非假設做出免賠額決策。</p>
<p>關於 HelloNation</p>
<p>HelloNation 是一個頂級媒體平台，連接讀者與各行業的可信專業人士和企業。通過其創新的 “教育廣告” 方法，將教育內容與故事敍述相結合，HelloNation 提供專家驅動的文章，旨在告知、啓發和賦能。涵蓋從家庭改善和健康到商業戰略和生活方式的主題，HelloNation 突顯出在社區中產生重大影響的領導者。</p>
<p>Patrick McCabe</p>
<p>info@hellonation.com</p>
<p>www.hellonation.com</p>
<p>與此公告相關的照片可在 https://www.globenewswire.com/NewsRoom/AttachmentNg/7699a404-971e-4ab6-ba87-2746634b512b 獲取。</p>
<p><strong>Schenk &amp; Miles Agency, Inc.的 Michelle Hall 在 HelloNation 分享選擇合適汽車保險免賠額的見解</strong></p>
<p><strong>Schenk &amp; Miles Agency, Inc.的 Michelle Hall 在 HelloNation 分享選擇合適汽車保險免賠額的見解</strong></p>

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<p>米歇爾·霍爾（Michelle Hall）來自 Schenk & Miles Agency, Inc.，在 HelloNation 的一篇文章中討論了選擇合適的汽車保險免賠額的重要性。她強調，免賠額應反映駕駛者的財務狀況、生活方式和風險承受能力。雖然較低的免賠額提供了安心感，但它們伴隨着更高的保費。霍爾建議駕駛者在做出這一決定時考慮自己的駕駛條件和財務準備，建議與保險代理人合作，以幫助將保險覆蓋與個人需求對齊。完整的文章提供了有關明智選擇免賠額的見解</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>紐約友誼，2025 年 6 月 24 日（環球新聞）—— 較低的汽車保險免賠額是否總是更安全的選擇？來自紐約友誼的 Schenk &amp; Miles Agency, Inc.的 Michelle Hall 在 HelloNation 中提供了更為細緻的觀點，解釋説，合適的免賠額應反映駕駛者的財務準備、生活方式和風險承受能力，而不僅僅是避免前期費用的願望。</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，雖然低免賠額在索賠時可能帶來安心，但也會導致更高的月保費。對於那些記錄良好且很少索賠的駕駛者來説，更高的免賠額可以在長時間內帶來可觀的節省。另一方面，如果$1,000 的自付費用在財務上會造成困難，較低的免賠額可能在增加保費的情況下提供更多保護。</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>文章還敦促駕駛者考慮他們的日常環境。高交通流量區域、常規街道停車或惡劣天氣地區可能會增加索賠的可能性，從而傾向於選擇較低的免賠額。Hall 強調，這一決定並非一刀切，應該仔細評估財務舒適度和駕駛條件。</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>與保險代理人合作是做出明智選擇的最佳方式。Hall 建議客户評估在緊急情況下他們能支付多少，然後將其與不同免賠額選項的長期節省進行權衡。這種方法確保保險覆蓋與風險和財務能力相一致。</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《大多數人對汽車保險免賠額的誤解》幫助駕駛者基於知情規劃而非假設做出免賠額決策。</p>
</div><p>About HelloNation</p>
<div class="lb-trans"><p>關於 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 是一個頂級媒體平台，連接讀者與各行業的可信專業人士和企業。通過其創新的 “教育廣告” 方法，將教育內容與故事敍述相結合，HelloNation 提供專家驅動的文章，旨在告知、啓發和賦能。涵蓋從家庭改善和健康到商業戰略和生活方式的主題，HelloNation 突顯出在社區中產生重大影響的領導者。</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>與此公告相關的照片可在 https://www.globenewswire.com/NewsRoom/AttachmentNg/7699a404-971e-4ab6-ba87-2746634b512b 獲取。</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 分享選擇合適汽車保險免賠額的見解</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 分享選擇合適汽車保險免賠額的見解</strong></p>
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Schenk & Miles Agency, Inc.的 Michelle Hall 在 HelloNation 上分享瞭如何選擇合適汽車保險免賠額的見解