Is a higher deductible worth it?
Work out how many claim-free years it takes to recover the premium you save by raising the deductible.
How it is calculated
Break-even years = (deductible B − deductible A) ÷ (premium A − premium B)
A higher deductible lowers the premium because you carry a bigger share of each claim. It only makes sense if you could pay that deductible tomorrow without borrowing and you rarely claim.
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