Source
Money Crashers
Raising Your Auto and Home Deductibles Can Cut Premiums 15-30%
Raising your deductible from $500 to $1,000 or higher cuts your annual premium, sometimes by 15-30%. If your emergency fund can absorb the higher deductible, you’re self-insuring the gap and pocketing the savings every year you don’t file a claim. Ask your insurer to quote two or three deductible levels at renewal.
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