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Deductible math

By Glen Avery Last checked Nov 9, 2026

Two options can differ in both premium and deductible. This tool does the arithmetic so you can see the trade-off in dollars.

Use numbers printed on papers you already have, like a renewal notice or two offers in writing.

Please note: the numbers stay in this browser while you use the page. This tool does not save them and does not send them anywhere. Don't enter anything except the four amounts.

Your two options

Option 1

Yearly premium for option 1 ($)

Deductible for option 1 ($)

Option 2

Yearly premium for option 2 ($)

Deductible for option 2 ($)

Read this before you decide

This is arithmetic only. It is not a price from any insurer, and it is not advice. It does not know your limits, your exclusions or how your insurer values things. Two options with different coverage are not a fair match, so check that the rest of the declarations page lines up. Read the policy checks first.