Understanding Car Insurance

when I change my policy I can choose the following:

deductible
deductible / Waiver

What is the difference? Why have 2 options are available? Thank you for your responses.

autoinsurance.undonet.com - try this one. I have their auto insurance and, as I know, they can provide such a service.

A car insurance deductible is the amount of money you agree to pay out of pocket. This money must be paid before your insurance company will pay your claim.

In states where it is available, you are required to purchase a collision damage waiver deductible under your collision coverage.

The collision damage waiver deductible collision deductible if you pay your car insured is involved in an accident in which an uninsured motorist is legally liable.

The deduction is the amount you pay in a collision. But if you can afford a higher deductible, the cheaper the cost of insurance will be.