The deductible is the portion of an insured loss that would be paid for by a policyholder. Generally, you should pick the largest deductible you can afford. Reducing the total number of claims you submit, especially small ones, can help keep you insurance affordable. In fact, insurance credits offer savings for increased deductible amounts. If you would like us to see how much a higher deductible might reduce your premium just let us know and we’ll provide you a free quote.