yes! nice. yes! if bogota is colombia s you premium like clockwork. month after month. year after year. then one night, you hydroplane into a ditch. yeah. surprise. your insurance company tells you to pay up again. why pay for insurance if you have to pay even more for using it? if you have liberty mutual deductible fund™, you could pay no deductible at all. sign up to immediately lower your deductible by $100. and keep lowering it $100 annually, until it s gone.