Your Current Situation
$
$
Can you afford to pay a higher deductible if needed?
💵
Optimize Your Deductible
Enter your details to see which deductible makes the most financial sense.
Frequently Asked Questions
What car insurance deductible should I choose?
If you have an emergency fund and haven't had a claim in 3+ years, a $1,000 deductible often makes sense. You'll save 15% on premiums and break even in under 2 years.
How does a deductible affect my premium?
Higher deductibles mean lower premiums. Going from $500 to $1,000 typically saves 15%. From $500 to $2,000 saves about 28%. But you'll pay more out-of-pocket if you have a claim.
When should I keep a low deductible?
Keep a lower deductible if you've had multiple claims recently, have limited savings, drive in high-risk areas frequently, or have an expensive vehicle that's costly to repair.