[notyourwork]

Surely - Demographic, ~30 year old male, married. (Getting married didn't drop it as much as I was hoping but did decrease it $150/year.)

Wife and I have not had any traffic infractions in over 3 years.

I haven't had a traffic infraction in at least 3 years (moved to West coast 3 years ago). ~30 year old male, married and are insuring a 2015 Cherokee with $2,500 deductibles.

My advice, if you can set aside $2,500 or have it in savings I would move your deductible up and use insurance for severe accidents. Don't use insurance to replace a cracked windshield.

[chrisconroy]

FWIW, depending on your state and policy, "glass only" claims don't affect your premiums. Agreed with the general principle of a higher deductible though.