Difference Between $100 and $1,000 Deductibles is Only $14 Per 12 Months... So What's the Catch?

I was reviewing my family auto policy. In the last 10 years, there were only
two collision claims. One was when my car lost traction on ice in an airport
parking garage. The impact occured at less than 2mph(walking speed) and
caused about $2500 damage that Geico paid. The other one was a deer
collision caused by a deer who jumped into traffic.

I've had $1,000 deductibles on all the vehicles on the policy. I changed it
around on Geico's website and if I lower the deductible down to just $100,
the increase per car is only $11 to $14 per 12 months.

Seems like a good idea t
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