Would you risk a higher deductible to lower your insurance bill?

chess740 · 2026-01-03T03:20:09Z

Quick poll time: If you could save a decent chunk on your monthly insurance by raising your deductible, would you do it? Or does the thought of a big out-of-pocket expense freak you out too much? I keep going back and forth—like, I want to save money, but what if something actually happens? Curious how others handle this.

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Insurance Deductibles and Savings

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I just set aside the difference in a savings account, so if something happens, I’m not scrambling.

That’s actually pretty smart. I keep thinking about raising mine, but my luck’s so bad I’d probably get hit by a shopping cart the next day. Still, your numbers make sense... just not sure I trust myself to not dip into that “emergency” fund for pizza.

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Would you risk a higher deductible to lower your insurance bill?

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