Since the difference in deductible is $350, between a higher and a lower deductible, unless you are insuring for at least $80,000, it is more economical to go with the $150 deductible at 2.95%.
rate insured amounts deductible premium ( how much you pay) difference in premiums
2.95% $ 10,000 $150 $ 295 $ 45
2.50% $ 10,000 $500 $ 250
2.95% $ 20,000 $150 $ 590 $ 90
2.50% $ 20,000 $500 $ 500
2.95% $ 30,000 $150 $ 885 $ 135
2.50% $ 30,000 $500 $ 750
2.95% $ 40,000 $150 $ 1,180 $ 180
2.50% $ 40,000 $500 $ 1,000
2.95% $ 50,000 $150 $ 1,475 $ 225
2.50% $ 50,000 $500 $ 1,250
2.95% $ 60,000 $150 $ 1,770 $ 270
2.50% $ 60,000 $500 $ 1,500
2.95% $ 70,000 $150 $ 2,065 $ 315
2.50% $ 70,000 $500 $ 1,750
2.95% $ 80,000 $150 $ 2,360 $ 360
2.50% $ 80,000 $500 $ 2,000