Auto Deductible Tradeoff Tool
Compare two deductible options and see how long it takes premium savings to outweigh the extra out-of-pocket risk.
Monthly Savings With Higher Deductible $27
Break-Even Time 18.5 months
Extra Out-Of-Pocket Risk Per Claim $500
Recommendation
The higher deductible looks reasonable if you can comfortably absorb the larger claim payment and you do not expect to file often.
How To Use This Tool
A higher deductible often lowers your monthly premium, but the tradeoff only works if the savings are large enough and you can comfortably absorb the bigger claim payment. This tool helps you compare those two forces side by side.
What A Good Result Looks Like
If the break-even point is fairly short and your emergency savings can cover the higher deductible without stress, the larger deductible may be reasonable. If the savings are small or your cash cushion is tight, the lower deductible often creates a better real-world outcome.