An automobile insurance policy with a higher premium will most likely have

a lower deductible.

Explanation:

There is an inverse relationship between premiums and deductibles. Higher premiums result in lower deductibles, while lower premiums result in higher deductibles.

This applies not only to auto insurance, but generally to most insurance policies that include deductibles, e. g. home insurance and health insurance.

Deductibles are the part of an insurance claim that must be covered by the insured.