As with nearly every area of car insurance, the effect various deductibles have on policies will vary from company to company. (carinsurancequote.net)
If you do not and you have a claim then you will be penalized the difference between what you should have had insured and what you actually did have on the policy. (armourinsurance.ca)
Just as we see with other riders, you pay for the privilege of having it on your policy even if you don't use it for the duration it's activated. (termlife2go.com)