Deductible Optimizer
Right-size your deductible
Raising your deductible is the fastest way to cut premiums — but only if your emergency fund can absorb the risk. We do the math.
Recommended Deductible
$1,000
Saves ~$180/yr
New est. premium: $1,620/yr
- • Keep at least 3× your deductible ($3,000) in liquid emergency funds.
- • Raising deductibles is the single fastest premium reduction lever.
- • Re-evaluate annually as your emergency fund grows.
- • Your fund supports a higher deductible.
Scenario comparison
| Deductible | Est. Premium | Annual Savings | Fund Covers 3×? |
|---|---|---|---|
| $250 | $2,016 | −$216 | ✅ Yes |
| $500 | $1,800 | −$0 | ✅ Yes |
| $1,000 | $1,620 | +$180 | ✅ Yes |
| $2,500 | $1,404 | +$396 | ⚠️ No |
| $5,000 | $1,260 | +$540 | ⚠️ No |