Is A Higher Deductible Better For Auto Insurance? 
A higher deductible will decrease the premium you will pay for the auto insurance , but that does n't necessarily mean it is better . A higher deductible also means you will pay more out of pocket if you are involved in an accident . The decision of higher deductible vs. higher premium is one that should be based on what you can pay in case of an accident , and not necessarily what the monthly payment will be , but that is a discussion you should certainly have to determine which option is better for you . 