# Insurance Deductible **URL:** \ **Category:** Money\ **Created:** [September 22, 2024, 8:20pm UTC](https://discourse.thelastforum.com/t/insurance-deductible/102246 "2024-09-22T20:20:44Z")\ **Posts on this page:** 10\ **Page:** 2

**Author:** ![jimtoo](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/jimtoo/32/16415_2.png) [@jimtoo](https://discourse.thelastforum.com/u/jimtoo)\ **Post date:** [September 26, 2024, 2:01pm UTC](https://discourse.thelastforum.com/t/insurance-deductible/102246/21 "2024-09-26T14:01:22Z")

> [@Wintermute](#): > > You have any opinions on amica Not really. I got an auto quote from them a few years ago but didn’t go further. ---

**Author:** ![Wintermute](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/wintermute/32/35_2.png) [@Wintermute](https://discourse.thelastforum.com/u/Wintermute)\ **Post date:** [September 26, 2024, 2:23pm UTC](https://discourse.thelastforum.com/t/insurance-deductible/102246/22 "2024-09-26T14:23:24Z")

> [@jimtoo](#): > > Not really. I got an auto quote from them a few years ago but didn’t go further. They are expensive but you are supposed to get a rebate. They always how up in the top for insurance providers ---

**Author:** ![BridgeMaven](https://discourse.thelastforum.com/letter_avatar_proxy/v4/letter/b/cdc98d/32.png) [@BridgeMaven](https://discourse.thelastforum.com/u/BridgeMaven)\ **Post date:** [September 26, 2024, 4:11pm UTC](https://discourse.thelastforum.com/t/insurance-deductible/102246/23 "2024-09-26T16:11:03Z")

> [@Wintermute](#): > > You have any opinions on amica? I have had Amica for our auto, home, and umbrella policies since 1990, with the exception of a three year period when I tried another insurance company because it was less expensive, but then went back to Amica. I have nothing but good things to say about Amica and nothing but bad things to say about that other company that I tried for three years ---

**Author:** ![billinin](https://discourse.thelastforum.com/letter_avatar_proxy/v4/letter/b/47e85d/32.png) [@billinin](https://discourse.thelastforum.com/u/billinin)\ **Post date:** [September 26, 2024, 4:16pm UTC](https://discourse.thelastforum.com/t/insurance-deductible/102246/24 "2024-09-26T16:16:51Z")

> [@BridgeMaven](#): > > I have nothing but good things to say about Amica and nothing but bad things to say about that other company that I tried for three years Without identifying the company can you share the circumstances that caused you to go back? ---

**Author:** ![Bears54](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/bears54/32/7_2.png) [@Bears54](https://discourse.thelastforum.com/u/Bears54)\ **Post date:** [September 26, 2024, 4:21pm UTC](https://discourse.thelastforum.com/t/insurance-deductible/102246/25 "2024-09-26T16:21:19Z")

> [@mcarley](#): > > Honestly, that still seems low to me. I think mine is at least $5k, maybe $10. How much are you saving with the high deductible? My homeowners premium is around $2,000 a year with a deductible around $2,500. ---

**Author:** ![mcarley](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/mcarley/32/5644_2.png) [@mcarley](https://discourse.thelastforum.com/u/mcarley)\ **Post date:** [September 26, 2024, 4:27pm UTC](https://discourse.thelastforum.com/t/insurance-deductible/102246/26 "2024-09-26T16:27:23Z")

> [@Bears54](#): > > How much are you saving with the high deductible? My homeowners premium is around $2,000 a year with a deductible around $2,500. It’s been a while since I checked. Mine is only around $1,300 a year I think. ---

**Author:** ![Wintermute](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/wintermute/32/35_2.png) [@Wintermute](https://discourse.thelastforum.com/u/Wintermute)\ **Post date:** [September 26, 2024, 4:31pm UTC](https://discourse.thelastforum.com/t/insurance-deductible/102246/27 "2024-09-26T16:31:04Z")

> [@BridgeMaven](#): > > I have nothing but good things to say about Amica and nothing but bad things to say about that other company that I tried for three years Did you get a refund check? Did that ease the price at all? ---

**Author:** ![brobbs](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/brobbs/32/4993_2.png) [@brobbs](https://discourse.thelastforum.com/u/brobbs)\ **Post date:** [September 26, 2024, 6:32pm UTC](https://discourse.thelastforum.com/t/insurance-deductible/102246/29 "2024-09-26T18:32:01Z")

There’s no right answer on deductible. It’s up to each consumer to assess the options available in the market and decide what their risk/likelihood of a claim is, how much liquid savings they have and are willing to spend on a deductible, and where the premium-to-deductible ratio makes the most sense in light of the other factors. Every situation is different, so taking explicit advice from others comes with some heavy caveats. ---

**Author:** ![branchkin](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/branchkin/32/113_2.png) [@branchkin](https://discourse.thelastforum.com/u/branchkin)\ **Post date:** [September 26, 2024, 8:13pm UTC](https://discourse.thelastforum.com/t/insurance-deductible/102246/30 "2024-09-26T20:13:06Z")

Lot of folks probably thinking about that today and tomorrow in the deep south. ---

**Author:** ![kcflyer](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/kcflyer/32/5299_2.png) [@kcflyer](https://discourse.thelastforum.com/u/kcflyer)\ **Post date:** [September 26, 2024, 9:58pm UTC](https://discourse.thelastforum.com/t/insurance-deductible/102246/31 "2024-09-26T21:58:17Z")

> [@brobbs](#): > > There’s no right answer on deductible. I This is true. I am retired and my income is “limited”. I had a quote for insurance that had a deductible of $8500 for wind and hail damage, which, is the likeliest damage you get in the midwest. The quote was $1800 per year with the $8500 deductible and $2100 per year for $2,000 deductible… The $300 difference was worth it for me. I had a tree branch fall on my house at the end of July that was $40,000 damage, so I’m sure I"ll have to shop around again when it’s time for renewal. [Previous page](https://discourse.thelastforum.com/t/insurance-deductible/102246.md?page=1)