Zero-deductible coverage options will vary by state and policy offerings.

Some states have laws that require a deductible on certain coverages. In those states, a zero-deductible option is not allowed for certain coverages — such as personal injury protection (PIP) or uninsured motorist property damage coverage. These coverages are not available in every state.

On the other hand, some states have laws and coverage offerings that allow waiving a deductible for certain types of claims. Take comprehensive coverage, for example, which helps pay to repair or replace a broken windshield. In most states, insurers typically waive the comprehensive deductible on a glass claim if the glass is repaired rather than replaced. And, in some states, comprehensive coverage may include "full glass coverage." If you purchase the full glass option, the deductible will be waived whether glass damage is repaired or replaced.

Bottom line: You may be able to choose some zero-deductible coverages, automatically have no deductible for other coverages, or be legally required to pay a deductible on other coverages.