Deductible Calculator: Find Your Optimal Amount
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Understanding Car Insurance Deductibles
Your deductible is the amount you pay out-of-pocket before insurance kicks in after a claim. Choosing the right deductible is a balance between monthly savings and financial risk.
💡 Key Considerations
- Higher deductible = Lower premium: Each increase typically saves 10-25% on comprehensive/collision
- Risk tolerance: Can you afford $1,000+ if you have an accident?
- Claims history: Frequent claimers benefit less from high deductibles
- Vehicle value: High deductibles make less sense for low-value cars
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