{"canonicalUrl":"https://autoinsuranceatlas.com/tools/deductible-calculator","question":"What car insurance deductible should I choose?","shortAnswer":"Choose a deductible you could comfortably pay after a claim. Higher deductibles can lower premiums, but they shift more repair cost onto you after an accident or comprehensive loss.","updatedAt":"2026-05-16","sources":[{"name":"coverage calculator assumptions"},{"name":"claims cost references"}],"relatedEntities":["deductible","collision coverage","comprehensive coverage"]}