auto insurance deductibles

$500 comprehensive
$1000 collision

The higher you raise your collision deductible, the more your premium will come down.  Comprehensive doesn't as have much of an impact.  I keep the collision deductible high because I wouldn't turn a small, at fault, collision claim into my insurance carrier anyway.

Depending on your state, most carriers are going to look at 3-5 years of claim and driving record history. 

I would say if you can save $1000 then raise the deductible.  If you only have $500 then keep it where it is.

Do a cost benefit analysis.  If it saves you $25/month to raise it, what can/will you do with that.  What's the 'risk'?

Cesar totaled 2 cars within 2 months.... first her was run off the road and second the car flooded on the street.  we're both ticket free for 3 years

on phone now getting info

The most cost effective deductibles are $100 comp and $500 collision.

I came to this figure based on average claim frequency and savings per year ...

say you change you comp ded fro $100 to $500, saving $4 per month while increasing your loss exposure to $400 more.

$48/$400

If you have one claim every 8.33 years, you will break even on the savings.  I have had 3 comp claims in the last 6 years.  I would have lost my if I had a $500 deductible.