Insurance Quote Site Deductible Impact Calculator

WHAT IT DOES

This tool detects insurance quote tables on any webpage, extracts premium and deductible values, and adds an interactive calculator panel. Slide the deductible up or down and watch annual premiums, monthly payments, total annual costs, and savings update instantly. It calculates break-even years to help you decide if a higher deductible is worth the premium reduction. Advanced metrics show total out-of-pocket exposure and provide recommended deductible tiers based on your risk tolerance.

WHERE IT RUNS

Works on any site that displays insurance quotes—carriers, brokers, comparison engines, employer benefit portals, or government exchanges. The script scans page tables for premium and deductible data using adaptive pattern matching, so it functions without site-specific rules.

HOW TO USE

The panel appears automatically when quote data is detected. Use the slider to adjust deductible from $100 to $5,000 in increments of $50, $100, $250, $500, or $1,000 (selectable). Results update in real-time showing new annual and monthly premiums, total annual cost (premium + deductible), annual savings, and percentage saved. Toggle "Show Advanced Metrics" to see break-even years, current total cost, and a deductible tier recommendation (Low/Moderate/High/Very High). Copy results to clipboard with one click, reset to the original deductible, or reload quote data if the page updates dynamically.

TECHNICAL MECHANISM: TWO-PASS HEURISTIC EXTRACTION WITH PREMIUM INFERENCE

The script first scores every table on the page by counting insurance-related keywords (premium, deductible, coverage, quote, policy, annual, monthly, benefit). Tables scoring 2+ become candidates. A second pass then scans candidate rows for label-value pairs, using substring matching to identify premium and deductible fields. If only a monthly or annual premium is found, the script infers the other (monthly × 12 or annual ÷ 12). If no explicit premium exists but numeric data is present, the script extracts the largest number between 100 and 100,000 as the premium. Deductible defaults to $500 if not detected. All extracted values feed into a risk-adjusted premium model where each $100 deductible increase reduces premium by approximately 3%—a standard industry approximation—allowing realistic what-if scenarios without requiring API calls.

THE PANEL

The calculator appears in a draggable, resizable panel that remembers its position per site. Drag by the header, collapse to a compact icon with a click, and resize using the bottom-right corner. The panel snaps to screen edges for tidy placement and closes with the Escape key. Settings—selected deductible, step size, and advanced metrics toggle—persist per website using GM_setValue, so your analysis state returns exactly as you left it.

PLEASE NOTE

This script requires the free BotGentz extension to run. Insurance websites frequently update their layouts; while the script adapts, occasional updates may be needed. The script reads only visible table content on the current page—it does not send data anywhere, store personal information, or access other tabs. All calculations and data remain local in your browser. The premium model is an industry approximation; actual premium changes vary by carrier and underwriting factors. Always verify final quotes with your provider.