Car Insurance Comparison Calculator
Car Insurance Comparison
Compare insurance quotes by coverage level and deductible
Formula
Effective Cost = Annual Premium + (Deductible x Expected Claims Per Year)
Frequently Asked Questions
How is effective cost calculated?
Effective cost is the annual premium plus expected out-of-pocket deductible costs based on claim frequency.
Should I choose the lowest premium?
Not always. A lower premium with a high deductible can cost more if you file claims frequently.