Franquia Seguro Carro
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
franquia
About this calculator
The Car Insurance Deductible Calculator is an online tool that helps you calculate the value of the deductible for your car insurance. This is crucial to understand better the costs involved with the insurance and plan your finances more effectively.
The calculation formula for the deductible is simple: the deductible value is equal to 5% of the vehicle value, calculated based on the FIPE (Vehicle Selling Price). This value is usually charged each time you make an insurance, regardless of whether there are accidents or not.
Here at UtilizAí, you can use this calculator to check the deductible value of your car insurance and make informed decisions about your expenses. Keep in mind that the deductible is just one of the costs involved with the insurance, and it's essential to consider other factors, such as the insurance premium and the coverage offered by the insurer.
In addition, it's essential to remember that the deductible may vary depending on the type of vehicle, location, and other factors. It's essential to read the insurance policy carefully and understand the terms and conditions before signing any contract.
Frequently asked questions
What is deductible in car insurance?
The deductible is the amount you pay each time you make an insurance, regardless of whether there are accidents or not. It is calculated based on the FIPE of the vehicle and is usually 5% of the vehicle value.
Why is it important to calculate the deductible of my car insurance?
Calculating the deductible of your car insurance helps you understand better the costs involved with the insurance and plan your finances more effectively. It also helps you make informed decisions about your expenses.
Does the deductible vary depending on what?
The deductible may vary depending on the type of vehicle, location, and other factors. It's essential to read the insurance policy carefully and understand the terms and conditions before signing any contract.
What should I do if I have any questions about the deductible of my car insurance?
If you have any questions about the deductible of your car insurance, it's essential to contact the insurer or consult a financial professional to get guidance.
Is the deductible value always 5% of the FIPE of the vehicle?
Yes, the deductible value is always 5% of the FIPE of the vehicle, but it's essential to check the insurance policy of the insurer to confirm.