Side by side, compare coverage details clearly. Model claims, deductibles, limits, and add-ons fast here. See total cost and pick the smartest policy today.
Expected total cost equals annual premium plus expected out-of-pocket. If Plan A costs $1,100 and expected out-of-pocket is $180, the modeled average is $1,280. This number helps compare quotes on the same scale, even when deductibles and limits differ. Use probabilities that reflect your driving, parking, and weather exposure, then update losses from recent repair invoices.
Annual premium is normalized by frequency, payment discounts, and policy fees. A $95 monthly quote becomes $1,140 annually before discounts. A 5% paid-in-full discount reduces it to $1,083, while a 3% fee raises it to $1,115. Add-on costs, like enhanced roadside, are included so two similar quotes do not look identical when extras matter.
For each claim type, out-of-pocket per event is deductible plus any loss beyond the limit. With a $500 deductible and a $25,000 limit, a $3,800 collision loss produces $500 out-of-pocket. If the limit were $3,000, the same loss becomes $1,300 out-of-pocket ($500 deductible plus $800 above the limit). Expected out-of-pocket multiplies this by probability, turning rare but large gaps into measurable annual risk.
Rental reimbursement is capped by daily and maximum-day limits. If you rent five days at $45, the base cost is $225. A $35 per-day limit covers $175, leaving $50 out-of-pocket per claim. Roadside works similarly: a $140 tow with a $100 limit leaves $40. These small gaps compound when probabilities rise.
Protection score compares limits, benefits, and deductibles across plans using normalization. Higher liability, uninsured motorist, and medical payments increase the score, while higher deductibles reduce it. Value score blends protection with cost based on your slider. The sensitivity chart displays totals from 0% to 200% of baseline, showing which plan becomes expensive under stress faster. If your budget is tight, push cost emphasis higher. If you want stronger coverage, lower it and prioritize the plan that stays competitive when claim frequency doubles.
It is annual premium plus modeled out-of-pocket, using your probabilities and losses. It helps compare policies on an average basis, not predict the exact bill for a single year.
Start with your own history, mileage, and local risks. If unsure, use conservative mid-range values, then test higher and lower scenarios with the sensitivity chart to see how rankings change.
If limits are below potential losses, you pay the gap after the deductible. Matching limits to vehicle value and repair costs reduces tail risk, especially for collision and comprehensive losses.
It's a relative index that rewards higher limits and benefits and penalizes higher deductibles. It is normalized across your entered quotes, so 80 means stronger coverage compared with the other options you typed.
The slider blends protection and cost. Moving it toward cost favors the lowest expected total. Moving it toward protection favors stronger coverage, even if premiums rise. Use it to match your budget and risk tolerance.
Yes. Use the CSV download for spreadsheets and the PDF download for a shareable snapshot. For printing, use the browser print button so the layout remains clean on a single page set.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.