I'll be checking my homeowners, but several years ago I raised my health insurance deductible
from $2,500 to $10,000. The premium dropped fron $9,900 to $4,300.
I saved $5,600 the first year.
Then Obamacare started, and I had 18%, 19% and 22% increases :-(
I've been PO'ed ever since.
Soon as I got it figured out, the government stepped in to help, and really F'ed it up.