The standard deductible is the first one presented when you take out car insurance. It has a moderate value, but you also need to take the cost of the insurance policy into account. 

In other words, if the prize money is already high, adding the franchise fee can make it a burden for you. Or not. That's why you need to consider the franchise fee. 

It's possible to lower or raise it. A higher deductible, for example, usually means cheaper car insurance. 

However, this means that the driver will be responsible for paying the majority of the damage in the event of a partial loss. 

The deductible is always paid by the user/insured when it occurs.

Therefore, keep in mind that it's not worth changing the deductible amount just to have a lower car insurance premium if it will mean losses in the long run. 

Sometimes, paying a little extra for car insurance prevents you from having to pay less in unplanned situations, such as theft, floods, etc. 

Therefore, it's important that you evaluate the options and situations you may face and discuss them with your broker.