Two calculators and a readiness check
No sign-up, nothing stored — just the arithmetic that makes two options actually comparable.
Deductible vs premium scenario
See whether a lower monthly premium with a higher deductible actually saves you money based on how many claims you'd realistically expect.
Assumptions this uses
- Premiums are compared on an annual basis (monthly premium times 12)
- Each expected claim is assumed to exceed the deductible, so the full deductible is paid per claim
- This does not account for a possible premium increase after filing a claim
Limitations: This is a simplified comparison, not a quote. It does not account for coverage limit differences, exclusions, or how claims history affects future renewal pricing.
Runs entirely in your browser.
Write down your "why" before you shop
Before you request a single quote, write one sentence about what you're actually protecting against — a car accident, a burglary, your family losing your income. Every coverage decision gets easier once you know the specific loss you're trying to avoid, instead of buying a generic bundle because it was offered to you.
Total first-year cost comparison
Compare the full first-year cost of two policy options, including any extra fees, instead of just the sticker premium.
Assumptions this uses
- Totals are calculated as (monthly fee times 12) plus other annual fees
- Other annual fees can include policy fees, installment fees, or add-on riders
- Both options are assumed to run for a full 12-month policy period
Limitations: This compares total dollar cost only. It does not weigh differences in coverage limits, deductibles, or exclusions between the two options.
Runs entirely in your browser.
The First-Time Insurance Buyer's Checklist
Everything to sort out before you request a quote, and everything to check before you sign.
Get the free guide →First-policy readiness checklist
Confirm you're actually ready to request a quote and sign a policy, not just ready to start looking.
Assumptions this uses
- This checklist reflects general first-time-buyer preparation steps, not a guarantee of approval or pricing
- Individual insurers may require additional documentation not listed here
Limitations: This is a readiness self-check, not a substitute for reading your actual policy document or speaking with a licensed agent.
Runs entirely in your browser.
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Ready to see real numbers?
Once you know what type of coverage you need, comparing actual quotes side by side is the next step — that's a different job from understanding the basics, and it's worth doing separately.
Compare quote options →