Deductibles and payment options. Unlike some other aspects of auto insurance, the collision protection of the Quotes Chimp is subject to a deductible (the amount you pay before any insurance benefits kick in). Most deductibles are around $200 but you can elect to have a higher or lower amount. The higher the deductible, the lower the premium. QuotesChimp can buy additional safety on your car for a supplementary premium. These accessories in neuro-scientific vehicle insurance policy are called sanctiones.