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Question: Which is better: high deductible and lower premiums, or low deductible and higher premiums? Quick, quick! Your answer, please? When it comes to getting car insurance quotes there really is not a quick answer. What you need is, not just the insurance rates, but some examples as to what affect a change in the deductible can have on you in reality. If you raise your deductible your premiums are going to be less expensive, but there is another side of that coin. If you have a claim you will have to come up with more lump sum money before your car insurance company will kick in. With a lower deductible, higher monthly premiums can be painful, but if a fender bender occurs, the smaller amount coming from your pocket feels great. When you are getting car insurance quotes is there a right or wrong decision as to deductible? No. You just consider your circumstances and choose.