Deductible Savings Break-Even Simulator
Raising your collision or property deductible lowers your monthly premium bill. Use this actuarial calculator to see exactly how many months you must drive claim-free for the premium discount to outweigh the out-of-pocket risk.
Break-Even Point Simulator
Compare your current deductible against a higher target deductible.
3-Year Net Profit
+$172 Net Savings after factoring in one accident claim.
Actuarial Advice
Only raise your deductible if you have the out-of-pocket gap safely banked in an emergency savings fund.
The Golden Rule of Deductibles
The average American driver files an insurance collision claim once every 18 years. If your break-even period is under 2.5 years (30 months), raising your deductible from $500 to $1,000 is almost always a mathematically superior choice—provided you keep $1,000 cash in reserve.