The disadvantage of raising your deductible is that when you do make a claim, you'll pay more. That's because the amount you pay for the deductible plus the amount you pay for the premium may not be more than the value of the car itself. An auto dealer can help you determine the value of your vehicle. Part of what determines the cost of insurance is the kind of car you own. Some cars are favorite cars for thieves.
Some cars are more expensive to repair.
Generally, these cars will cost more to insure. Or call my office and request a Make and Model Brochure. Some insurance companies give discounts to people who drive less than a pre-determined number of miles each year. Ask me about the details on the number of miles and the types of proof that are required. When you move, consider the cost of insurance.