Currently my husband and I pay about $212 a month for our car insurance.... he has a 2002 Explorer and I have a 2007 VW Jetta. He had an accident back in 2006 and we are both only 20, almost 21 but I was told by my agent that even though we are young, since we are married, we get the discount as if we were 25. I was talking to some friends recently who are also married and some only pay like $85-$105 a month which makes me sick b/c we pay so much. Someone told me that switching from a $500 deductible to $1000 could possibly save us some money?? Does anyone know around how much this could save us?? And how long does his accident affect our insurance, like how many years??