A comprehensive deductible of $250 or below is ideal for most people when shopping auto insurance. Obviously the advantage in choosing a higher deductible of $500 or more would be to save money which is the case for many younger, less experienced drivers as well as those who have a few tickets or accidents on their driving records. For these higher risk auto insurance shoppers YES the savings can be significant when selecting a higher deductible. The same is NOT true for those who are good drivers who have a positive insurance history, quite often the premium difference varies slightly to have a $100 comprehensive deductible as opposed to $500. As always it depends on your situation and you can call us anytime to shop your insurance coverages or ask questions. We always do our best to offer you the most coverage for your dollar.