Changing your deductible from $0 to $500 or $1000 should have a significant effect on your premium. When I ask for quotes, I always ask for quotes based on a deductible of $0, $500, and $1000 and then make my choice. If you can save $200/year by choosing the $500 deductible, then you're ahead after 2 1/2 years. Just stick that $500 in the bank and leave it alone in case you need to satisfy your deductible. Anything saved beyond that is gravy.
Not easy to ask the question on a board lke this. Premiums are impacted by your location - state and even a county within a state.
FYI for anyone with National Interstate who has Florida as their domicile state.
I fulltime and have them for my truck and my fiver. My agent (Miller Insurance in Oregon) just informed me that National Interstate will no longer write vehicle insurance in Florida. Apparently they will still insure TTs, fivers, etc. I was told to expect a letter from them prior to my renewal date (July).
So I will be changing as I want both truck and fiver to be with the same company.