Deductible vs Premium Calculator
Find the break-even claim frequency between a low and a high deductible.
How this number is built
Doing it by hand
Step 1
Get both quotes with identical coverage other than the deductible.
Step 2
Enter your realistic claim frequency from your own history.
Step 3
Compare total cost across the full period, not just the premium line.
Step 4
Check the break-even: fewer claim-free years than that and the low deductible wins.
Step 5
Only choose the high deductible if the difference sits in an accessible account.
What people ask next
Does a higher deductible affect liability coverage?
No. Deductibles apply to your own property damage, not to what the policy pays a third party.
Should I file small claims at all?
Often not. A claim under or near the deductible can raise your premium for years and return almost nothing.
Searches this page answers
| Related search | Goes to |
|---|---|
| insurance deductible | How to Calculate Deductible vs Premium |
| compare insurance deductibles | How to Calculate Deductible vs Premium |
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