Enter Quote Details
Add at least two providers. Use large screens to see three columns.
Example Data Table
This sample illustrates how fees, add-ons, and deductibles change the real annual cost.
| Provider | Base Premium | Discount | Fees | Add-ons | Deductible | Coverage |
|---|---|---|---|---|---|---|
| Alpha Insurance | USD 1,250 | 8% | USD 85 | USD 110 | USD 500 | USD 100,000 |
| Beta Assurance | USD 1,320 | 12% | USD 70 | USD 140 | USD 750 | USD 120,000 |
| Gamma Coverage | USD 1,180 | 6% | USD 95 | USD 90 | USD 400 | USD 95,000 |
Formula Used
- Discount amount = Base Premium × (Discount % ÷ 100)
- Effective annual cost = (Base − Discount) + Fees + Add-ons + Annualized Installment Fees
- Expected deductible cost = Claim Probability × Deductible
- Expected annual cost = Effective Annual Cost + Expected Deductible Cost
- Value score (0–100) blends normalized cost, service, and coverage using your weights.
Why expected cost matters
Two quotes can look similar, but a higher deductible can increase your expected annual cost
when claims are likely. Adjust claim probability to fit your risk profile.
How to Use This Calculator
- Enter your currency code and expected annual claim probability.
- Set weights to reflect what you care about most.
- For each provider, enter premium, fees, add-ons, deductible, and coverage.
- Choose payment frequency and installment fee if applicable.
- Click Compare Quotes to view results above the form.
- Use Download CSV or Download PDF for sharing.