Quote:
Originally Posted by Baconboy
... Since I'm capable of absorbing a 2k hit on short notice, this is a good bet.
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This is the key part and it's true for any insurance. Most of us here will pay more in insurance premiums (house, car, etc.) over the course of our lives than we get paid back in claims.
So the higher the deductible you can go the better off you will be in the long run as long as you can absorb the loss in the short term.