The money you save by raising your collision deductibles to a higher amount can be redirected and used to fund your CDRP Account. If you need to pay a collision deductible before your CDRP Account is mature, IDA will advance you the full amount (even if you've only made one payment). Advances may be repaid at $25 per month with NO interest or fees. Once your CDRP Account is mature, you will be able to use your monthly savings to help eliminate debt and build wealth.