Lol you said same stats, $100 deductible vs $1000 deductible. Massive difference. Majority of people carry 25/50/25, some carry 100/300/100, a very small portion carries 250/500/250. Never heard of someone carry 250/500/250 but have a $1000 deductible, that defies insurance coverage logic.1000 deductible for me. But okay thanks.