Planning comparison, not an insurer recommendation. A deductible is only one part of a policy. Coverage terms, claim rules, exclusions, and your ability to pay matter too.
01 / Deductible scenario
See premium versus out-of-pocket exposure
How to read the result
The calculator compares the annual premium difference you enter with the deductible difference and a single hypothetical covered repair amount. It does not forecast how often you will file a claim, whether a loss is covered, or how an insurer will price the policy.
A higher deductible can reduce premium while increasing the amount you may pay before coverage responds. Keep an emergency reserve and read the policy contract before choosing a deductible.
Questions people ask
Does a higher deductible always save money?
No. It may reduce premium, but the result depends on the premium difference, claims, and what you can pay after a covered loss.
Can I use this for liability coverage?
Deductibles are most commonly discussed with collision and comprehensive coverage. Liability limits are a separate protection decision.