Interactive cost worksheet
Put the costs
in perspective.
Compare two auto or property policy scenarios using numbers you enter. No personal information is required. This is arithmetic, not a quote or policy recommendation.
Method, assumptions and limitations
Annual premium = monthly premium × 12. Your loss payment = min(covered loss, deductible). Scenario total = annual premium + your loss payment. No-loss total = annual premium.
Assumes one covered loss, a fixed dollar deductible, adequate limits and identical protection. Excludes fees, coinsurance, multiple claims, coverage gaps, taxes, premium changes and insurer-specific settlement rules. Do not use this simplified model for health insurance or percentage deductibles.
Premium-only difference and scenario difference describe inputs only. No result identifies a universally better or suitable policy.
Your comparison checklist
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