Risk Meter
Risk Tolerance Continuum
Where's your line between premium dollars and rainy-day dollars?
Lower deductibles and lower self-insured risk mean higher premiums. Higher deductibles shift more risk onto you — and onto your savings — in exchange for paying less every month. Slide to find where you're comfortable and let our licensed Insurance Advisors know where you land.
Risk-averse · lower deductible · higher premium
Self-reliant · higher deductible · lower premium
Balanced
A middle path: a moderate deductible keeps premiums reasonable while you hold a modest reserve for smaller claims.
Typical deductible range
$1,000–$2,500
Est. annual premium savings
$300 (15%)
Suggested reserve fund
$2,500
Premium impact percentages are illustrative estimates for planning conversations, not a quote. Actual savings depend on your carrier, policy type, claims history, and state. A reserve fund is money set aside to cover your deductible or self-insured losses out of pocket if you need to file a claim.
This tool is for general education and planning discussions only. It does not constitute a quote, binding coverage recommendation, or financial advice. Deductible and premium figures vary by carrier, location, and policy terms — confirm specifics with one of our agents by reaching out.