General
The Complete Guide to Insurance Bundling: Save Across Every Policy
Bundling your auto, home, renters, and other insurance policies can save you hundreds per year. Learn how bundling works and which combinations save the most.
Deductible Optimizer
Higher deductible = lower premium, but is it actually saving you money?
Your Policy
Insurance Type
$150
$50$500
5-Year Cost Comparison
$250
$165/mo · $200 in deductibles
$10,090
5-yr total
$500
$150/mo · $400 in deductibles
$9,400
5-yr total
$1,000
$136/mo · $800 in deductibles
$8,959
5-yr total
$1,500
$124/mo · $1,200 in deductibles
$8,618
5-yr total
$2,000
$113/mo · $1,600 in deductibles
$8,375
5-yr total
$2,500BEST
$105/mo · $2,000 in deductibles
$8,330
5-yr total
Our recommendation
$2,500 deductible
saves you the most over 5 years based on your claim frequency
Want to optimize beyond your deductible?
Compare quotes from 40+ carriers — many offer lower rates for the same deductible.
Get Your Free QuoteEstimates for educational purposes only. Actual rates vary by carrier and individual factors.
How to Choose the Right Deductible
Your deductible is the amount you pay out of pocket before insurance kicks in. A higher deductible lowers your monthly premium, but means more risk if you file a claim. The optimal choice depends on how often you expect to file and how much cash you can comfortably set aside.
For safe drivers who rarely file claims, raising a $500 deductible to $1,000 can save 10–20% on premiums annually. Over five years, those savings often outweigh the extra out-of-pocket risk. But if you have a newer vehicle or drive frequently, a lower deductible may give you better peace of mind.
Compare quotes at different deductible levels to find the right balance for your budget
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