Compare insurance deductibles
A lower annual premium may come with a higher deductible. Enter two written quotes and test what you could pay over a period if a particular number of covered losses occurred.
Policy A
Enter figures from your first offer.
Policy B
Enter figures from your second offer.
Test a hypothetical scenario
The scenario is not a prediction of how often a claim will happen.
Scenario results
Estimated total cost
Premiums plus your modeled deductible share over 3 years.
In this example
Policy B costs $550 less
This compares only the inputs and covered-loss assumptions entered, not the quality of coverage or insurer service.
How the calculation works
For each option, we multiply its annual premium by the number of years, then add the number of modeled claims times the smaller of the deductible or the assumed loss amount. This assumes both losses are covered and that each claim has the stated deductible.
Real policies can have separate deductibles, percentage deductibles, sublimits, depreciation, coinsurance, waiting periods or exclusions. Those are not modeled. The figures are educational, not quotes or recommendations.
Before choosing a policy
Confirm you are comparing the same insurer product, coverage limits and exclusions. Consider whether you could afford the larger deductible after an unexpected loss and discuss trade-offs with the insurer.