Is it worth it to take a higher deductible?
Why give the insurance company more than you need to? Sometimes it does make sense to take a higher deductible and take more risk upon yourself.
Taking a higher deductible is a two sided coin:
On one side, taking a higher deductible will save you money on your insurance premium.
On the other side, if you have a claim, you would need to pay the higher deductible.
This analysis will help you decide if it would make sense to take a higher deductible.