Car Insurance Deductible vs. Premium Analyzer
Enter Insurance Options & Analysis Period
Option 1 (e.g., Lower Deductible)
Option 2 (e.g., Higher Deductible)
Analysis Parameters
Error: Tool UI elements missing. Please contact support.
"; cidToolOutputDiv.style.display = 'block'; } else { // Fallback to an alert if even the output div is missing alert("Error: Tool initialization failed due to missing HTML elements."); } return; } // Attach event listeners to inputs to auto-update if results are visible [cidDeductible1Elem, cidPremium1Elem, cidDeductible2Elem, cidPremium2Elem, cidAnalysisYearsElem].forEach(el => { el.addEventListener('input', () => { if (cidToolOutputDiv.style.display !== 'none') { cidCalculateAndDisplay(); } }); }); }); function cidFormatCurrency(value) { return `$${value.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`; } // --- Core Calculation Logic --- function cidGetInputs() { const deductible1 = parseFloat(cidDeductible1Elem.value); const premium1 = parseFloat(cidPremium1Elem.value); const deductible2 = parseFloat(cidDeductible2Elem.value); const premium2 = parseFloat(cidPremium2Elem.value); const years = parseInt(cidAnalysisYearsElem.value); if (isNaN(deductible1) || isNaN(premium1) || isNaN(deductible2) || isNaN(premium2) || isNaN(years) || deductible1 < 0 || premium1 < 0 || deductible2 < 0 || premium2 < 0 || years <= 0) { cidResultsTableContainerDiv.innerHTML = "Please enter valid positive numbers for all inputs.
"; cidToolOutputDiv.style.display = 'block'; cidDownloadPdfButtonElem.style.display = 'none'; return null; } return { deductible1, premium1, deductible2, premium2, years }; } function cidCalculateCosts(inputs, numClaims) { if (!inputs) return null; const { deductible1, premium1, deductible2, premium2, years } = inputs; const totalPremium1 = premium1 * 12 * years; const totalDeductibleCost1 = deductible1 * numClaims; const totalOutOfPocket1 = totalPremium1 + totalDeductibleCost1; const totalPremium2 = premium2 * 12 * years; const totalDeductibleCost2 = deductible2 * numClaims; const totalOutOfPocket2 = totalPremium2 + totalDeductibleCost2; return { option1: { premiums: totalPremium1, deductibles: totalDeductibleCost1, total: totalOutOfPocket1 }, option2: { premiums: totalPremium2, deductibles: totalDeductibleCost2, total: totalOutOfPocket2 } }; } // --- Display Results --- function cidCalculateAndDisplay() { const inputs = cidGetInputs(); if (!inputs) return; const maxClaimsToShow = 2; // Show results for 0, 1, and 2 claims let tableHTML = `| Scenario (Over ${inputs.years} Years) | Option 1 Total Cost | Option 2 Total Cost | Cheaper Option |
|---|---|---|---|
| ${i} Claim${i === 1 ? '' : 's'} | ${cidFormatCurrency(costs.option1.total)} | ${cidFormatCurrency(costs.option2.total)} | ${cheaperOptionText} |
Total Cost = (Monthly Premium × 12 × Years) + (Deductible Amount × Number of Claims)
`; cidResultsTableContainerDiv.innerHTML = tableHTML; cidToolOutputDiv.style.display = 'block'; cidDownloadPdfButtonElem.style.display = 'inline-block'; } // --- PDF Download Functionality --- async function cidDownloadPDF() { const { jsPDF } = window.jspdf; if (typeof html2canvas === 'undefined' || typeof jsPDF === 'undefined') { alert('Error: PDF generation libraries not loaded.'); console.error('jsPDF or html2canvas is not loaded.'); return; } const inputs = cidGetInputs(); if (!inputs) { alert("Cannot generate PDF: please ensure valid inputs are entered and analyzed."); return; } const pdfContentWrapper = document.createElement('div'); pdfContentWrapper.className = 'cid-pdf-content-wrapper'; let inputsHTML = `Input Parameters
| Option 1 Deductible: | ${cidFormatCurrency(inputs.deductible1)} |
| Option 1 Monthly Premium: | ${cidFormatCurrency(inputs.premium1)} |
| Option 2 Deductible: | ${cidFormatCurrency(inputs.deductible2)} |
| Option 2 Monthly Premium: | ${cidFormatCurrency(inputs.premium2)} |
| Analysis Period: | ${inputs.years} Year${inputs.years === 1 ? '' : 's'} |
Analysis Results
| Scenario (Over ${inputs.years} Years) | Option 1 Total Cost | Option 2 Total Cost | Cheaper Option |
|---|---|---|---|
| ${i} Claim${i === 1 ? '' : 's'} | ${cidFormatCurrency(costs.option1.total)} | ${cidFormatCurrency(costs.option2.total)} | ${cheaperOptionText} |
Total Cost = (Monthly Premium × 12 × Years) + (Deductible Amount × Number of Claims)
`; pdfContentWrapper.innerHTML = `