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One of the first and most productive perspectives to keep in mind about any insurance policy about cars and driving, will be the inverse relationship between the premium and the deductible. It is a quick an easy way to ascertain whether you want to pick a certain policy, based on the inkling that you have about the future. In other words, do you feel that you will be getting into an accident this year. Do you think that there is a higher probability of getting into an accident this year. If you do, then it always pays to pay the insurers, the folks that write your auto insurance policies; it always pays to pay these folks up front. You end up “saving money” by paying more now, than paying what’s due later. So you’ll find that the premium is higher, but that your deductible after an accident, which will come due at that time, is lower with certain policies.